| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.4% | +3.9% | -4.4 pts |
| Share growth (YoY) | -2.0% | +3.3% | -5.3 pts |
| Loan growth (YoY) | +7.4% | +2.9% | +4.5 pts |
| ROA | 0.37% | 0.69% | -0.3 pts |
| ROE | 3.6% | 5.9% | -2.3 pts |
ROA ranks in the 28th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $493.0M | $421.5M | $383.6M | $50.9M | $460K | 0.37% | 3.76% | 1.68% | 37,133 |
| Q4 2025 | $477.9M | $406.4M | $371.6M | $50.5M | $1.8M | 0.37% | 3.82% | 2.13% | 36,533 |
| Q3 2025 | $475.6M | $416.6M | $374.4M | $49.6M | $889K | 0.25% | 3.77% | 1.94% | 36,616 |
| Q2 2025 | $490.2M | $432.3M | $374.4M | $49.0M | $331K | 0.14% | 3.55% | 1.96% | 36,533 |
| Q1 2025 | $495.2M | $430.2M | $357.2M | $49.6M | $148K | 0.12% | 3.39% | 1.85% | 35,400 |
| Q4 2024 | $442.1M | $375.7M | $347.9M | $50.1M | $2.5M | 0.58% | 3.91% | 2.24% | 34,562 |
| Q3 2024 | $427.6M | $361.1M | $349.7M | $49.2M | $1.6M | 0.51% | 4.08% | 1.82% | 34,639 |
| Q2 2024 | $432.6M | $367.0M | $351.7M | $48.3M | $735K | 0.34% | 4.03% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.37% | 0.69% | 28th | |
Return on equity Annualized net income ÷ equity or net worth | 3.6% | 5.9% | 30th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.76% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 1.66% |
| 34,721 |
Loan mix (Q1 2026): real estate $120.1M · commercial $0 · consumer $226.0M · securities $29.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.2% | 78.7% | 44th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.