| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.2% | +3.9% | +3.3 pts |
| Share growth (YoY) | +7.0% | +3.3% | +3.7 pts |
| Loan growth (YoY) | +13.0% | +2.9% | +10.1 pts |
| ROA | 0.92% | 0.69% | +0.2 pts |
| ROE | 7.7% | 5.9% | +1.8 pts |
ROA ranks in the 65th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $433.5M | $378.2M | $312.2M | $51.7M | $995K | 0.92% | 3.66% | 0.43% | 19,214 |
| Q4 2025 | $426.1M | $370.5M | $302.3M | $50.7M | $4.8M | 1.12% | 3.53% | 0.91% | 19,127 |
| Q3 2025 | $417.9M | $364.8M | $293.2M | $49.3M | $3.2M | 1.03% | 3.57% | 0.63% | 19,179 |
| Q2 2025 | $408.7M | $357.0M | $285.6M | $48.0M | $1.9M | 0.94% | 3.56% | 1.06% | 19,411 |
| Q1 2025 | $404.4M | $353.6M | $276.3M | $47.0M | $883K | 0.87% | 3.55% | 0.72% | 19,331 |
| Q4 2024 | $393.0M | $342.9M | $274.0M | $46.1M | $4.5M | 1.14% | 3.50% | 1.00% | 19,995 |
| Q3 2024 | $390.1M | $341.3M | $275.7M | $44.8M | $3.1M | 1.04% | 3.50% | 0.73% | 20,036 |
| Q2 2024 | $389.2M | $340.5M | $275.4M | $43.6M | $1.9M | 0.96% | 3.44% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.92% | 0.69% | 65th | |
Return on equity Annualized net income ÷ equity or net worth | 7.7% | 5.9% | 65th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.66% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.94% |
| 20,159 |
Loan mix (Q1 2026): real estate $141.2M · commercial $100.8M · consumer $53.8M · securities $56.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.5% | 78.7% | 46th |
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.