| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.6% | +4.8% | +1.8 pts |
| Share growth (YoY) | +6.6% | +4.3% | +2.3 pts |
| Loan growth (YoY) | +2.1% | +4.3% | -2.2 pts |
| ROA | 0.47% | 0.62% | -0.2 pts |
| ROE | 4.3% | 5.9% | -1.6 pts |
ROA ranks in the 35th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $520.3M | $460.9M | $366.4M | $56.2M | $606K | 0.47% | 3.32% | 0.49% | 32,258 |
| Q4 2025 | $501.8M | $443.0M | $370.3M | $55.6M | $3.1M | 0.62% | 3.40% | 0.60% | 31,923 |
| Q3 2025 | $491.7M | $434.1M | $374.0M | $54.8M | $2.3M | 0.61% | 3.43% | 0.65% | 31,744 |
| Q2 2025 | $488.7M | $431.7M | $367.3M | $53.8M | $1.2M | 0.50% | 3.36% | 0.46% | 31,404 |
| Q1 2025 | $488.2M | $432.5M | $358.9M | $53.1M | $432K | 0.35% | 3.26% | 0.28% | 31,003 |
| Q4 2024 | $474.3M | $417.8M | $362.4M | $52.7M | $3.0M | 0.64% | 3.23% | 0.38% | 30,670 |
| Q3 2024 | $471.5M | $417.5M | $365.1M | $51.9M | $2.4M | 0.69% | 3.21% | 0.36% | 30,625 |
| Q2 2024 | $468.8M | $413.8M | $359.0M | $51.1M | $1.7M | 0.71% | 3.19% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.47% | 0.62% | 35th | |
Return on equity Annualized net income ÷ equity or net worth | 4.3% | 5.9% | 33th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.32% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 0.46% |
| 30,450 |
Loan mix (Q1 2026): real estate $120.1M · commercial $27.8M · consumer $188.2M · securities $83.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 85.1% | 78.3% | 78th |
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.