| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.6% | +3.9% | -2.3 pts |
| Share growth (YoY) | -0.1% | +3.3% | -3.4 pts |
| Loan growth (YoY) | +11.1% | +2.9% | +8.2 pts |
| ROA | 0.32% | 0.69% | -0.4 pts |
| ROE | 2.3% | 5.9% | -3.7 pts |
ROA ranks in the 24th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $470.8M | $406.8M | $249.5M | $66.5M | $382K | 0.32% | 2.52% | 0.45% | 22,105 |
| Q4 2025 | $462.8M | $400.0M | $243.7M | $66.2M | $2.4M | 0.52% | 2.38% | 0.54% | 22,105 |
| Q3 2025 | $458.1M | $397.0M | $231.7M | $65.1M | $1.3M | 0.39% | 2.34% | 0.41% | 21,969 |
| Q2 2025 | $461.4M | $403.4M | $227.8M | $64.5M | $728K | 0.32% | 2.28% | 0.28% | 21,938 |
| Q1 2025 | $463.4M | $407.3M | $224.6M | $64.0M | $225K | 0.19% | 2.17% | 0.27% | 21,911 |
| Q4 2024 | $465.8M | $407.7M | $225.1M | $63.7M | $1.1M | 0.23% | 1.87% | 0.33% | 22,040 |
| Q3 2024 | $465.8M | $410.4M | $220.6M | $63.3M | $634K | 0.18% | 1.80% | 0.30% | 21,789 |
| Q2 2024 | $468.0M | $416.0M | $210.7M | $63.1M | $407K | 0.17% | 1.74% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.32% | 0.69% | 24th | |
Return on equity Annualized net income ÷ equity or net worth | 2.3% | 5.9% | 19th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.52% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.28% |
| 21,590 |
Loan mix (Q1 2026): real estate $141.3M · commercial $42.9M · consumer $61.4M · securities $166.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.8% | 78.7% | 65th |
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.