| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.7% | +4.8% | -0.0 pts |
| Share growth (YoY) | +3.8% | +4.3% | -0.5 pts |
| Loan growth (YoY) | +7.8% | +4.3% | +3.5 pts |
| ROA | 0.87% | 0.62% | +0.3 pts |
| ROE | 4.3% | 5.9% | -1.6 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 | $501.2M | $422.0M | $153.6M | $100.8M | $1.1M | 0.87% | 1.75% | 0.09% | 23,838 |
| Q4 2025 | $494.4M | $416.4M | $152.3M | $99.7M | $2.4M | 0.49% | 1.23% | 0.11% | 23,521 |
| Q3 2025 | $489.3M | $411.3M | $149.5M | $99.0M | $1.6M | 0.45% | 1.17% | 0.25% | 22,435 |
| Q2 2025 | $485.0M | $412.1M | $146.9M | $98.1M | $828K | 0.34% | 1.05% | 0.11% | 22,355 |
| Q1 2025 | $478.6M | $406.7M | $142.4M | $97.6M | $321K | 0.27% | 0.98% | 0.01% | 22,237 |
| Q4 2024 | $462.6M | $396.9M | $139.8M | $97.3M | $606K | 0.13% | 0.80% | 0.12% | 22,702 |
| Q3 2024 | $470.9M | $397.3M | $138.6M | $96.8M | $278K | 0.08% | 0.71% | 0.07% | 22,575 |
| Q2 2024 | $462.1M | $398.4M | $140.2M | $96.6M | $5K | 0.00% | 0.65% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.87% | 0.62% | 65th | |
Return on equity Annualized net income ÷ equity or net worth | 4.3% | 5.9% | 33th | |
Net interest margin Interest income − interest expense, ÷ assets | 1.75% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 0.05% |
| 22,532 |
Loan mix (Q1 2026): real estate $96.4M · commercial $6.7M · consumer $46.5M · securities $314.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 59.1% | 78.3% | 6th |
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.