| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.4% | +3.9% | -2.5 pts |
| Share growth (YoY) | +1.7% | +3.3% | -1.6 pts |
| Loan growth (YoY) | +9.0% | +2.9% | +6.1 pts |
| ROA | 0.69% | 0.69% | -0.0 pts |
| ROE | 4.3% | 5.9% | -1.7 pts |
ROA ranks in the 49th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $444.7M | $335.6M | $259.7M | $71.3M | $763K | 0.69% | 2.97% | 0.51% | 28,131 |
| Q4 2025 | $446.4M | $333.3M | $256.4M | $70.6M | $2.2M | 0.50% | 2.74% | 0.55% | 28,356 |
| Q3 2025 | $438.7M | $332.1M | $246.5M | $69.9M | $1.4M | 0.43% | 2.73% | 0.51% | 29,175 |
| Q2 2025 | $436.3M | $329.6M | $245.2M | $69.3M | $842K | 0.39% | 2.70% | 0.57% | 29,344 |
| Q1 2025 | $438.6M | $330.0M | $238.2M | $68.7M | $241K | 0.22% | 2.61% | 0.53% | 29,533 |
| Q4 2024 | $430.2M | $316.2M | $242.3M | $68.5M | $1.6M | 0.38% | 2.55% | 0.57% | 29,661 |
| Q3 2024 | $458.3M | $320.6M | $245.1M | $68.3M | $1.3M | 0.37% | 2.40% | 0.65% | 29,754 |
| Q2 2024 | $467.8M | $320.7M | $252.6M | $67.9M | $887K | 0.38% | 2.35% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.69% | 0.69% | 49th | |
Return on equity Annualized net income ÷ equity or net worth | 4.3% | 5.9% | 35th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.97% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.52% |
| 29,864 |
Loan mix (Q1 2026): real estate $112.5M · commercial $29.7M · consumer $83.2M · securities $147.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.8% | 78.7% | 37th |
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.