| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.1% | +3.9% | -0.8 pts |
| Share growth (YoY) | +1.5% | +3.3% | -1.8 pts |
| Loan growth (YoY) | +2.0% | +2.9% | -0.9 pts |
| ROA | 1.59% | 0.69% | +0.9 pts |
| ROE | 13.0% | 5.9% | +7.0 pts |
ROA ranks in the 91st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $424.5M | $368.7M | $223.0M | $52.1M | $1.7M | 1.59% | 3.36% | 0.90% | 34,980 |
| Q4 2025 | $415.3M | $361.5M | $225.6M | $50.4M | $6.7M | 1.61% | 3.33% | 1.21% | 34,862 |
| Q3 2025 | $413.1M | $361.9M | $225.4M | $47.4M | $3.5M | 1.12% | 3.28% | 0.97% | 35,140 |
| Q2 2025 | $410.7M | $360.6M | $219.8M | $46.3M | $2.4M | 1.17% | 3.23% | 1.14% | 35,148 |
| Q1 2025 | $411.5M | $363.1M | $218.5M | $45.1M | $1.2M | 1.18% | 3.11% | 0.89% | 34,915 |
| Q4 2024 | $396.7M | $349.4M | $212.4M | $43.9M | $4.7M | 1.17% | 3.02% | 1.29% | 34,634 |
| Q3 2024 | $380.0M | $334.7M | $215.8M | $43.2M | $3.7M | 1.29% | 3.10% | 1.03% | 35,121 |
| Q2 2024 | $377.3M | $329.9M | $216.3M | $41.8M | $2.3M | 1.20% | 3.08% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.59% | 0.69% | 91th | |
Return on equity Annualized net income ÷ equity or net worth | 13.0% | 5.9% | 93th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.36% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.81% |
| 35,093 |
Loan mix (Q1 2026): real estate $116.6M · commercial $14.9M · consumer $87.8M · securities $117.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.7% | 78.7% | 20th |
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.