| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.3% | +4.8% | -1.4 pts |
| Share growth (YoY) | +1.2% | +4.3% | -3.1 pts |
| Loan growth (YoY) | +1.0% | +4.3% | -3.3 pts |
| ROA | 0.30% | 0.62% | -0.3 pts |
| ROE | 3.6% | 5.9% | -2.3 pts |
ROA ranks in the 22nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $627.6M | $520.9M | $476.2M | $52.3M | $474K | 0.30% | 3.60% | 0.18% | 38,593 |
| Q4 2025 | $623.7M | $511.2M | $478.1M | $51.9M | $2.0M | 0.33% | 3.48% | 0.30% | 38,593 |
| Q3 2025 | $610.9M | $503.9M | $475.0M | $51.0M | $1.2M | 0.25% | 3.50% | 0.33% | 38,818 |
| Q2 2025 | $615.9M | $511.6M | $473.5M | $50.1M | $315K | 0.10% | 3.39% | 0.32% | 38,937 |
| Q1 2025 | $607.4M | $514.6M | $471.3M | $49.9M | $-118K | -0.08% | 3.32% | 0.27% | 38,986 |
| Q4 2024 | $603.1M | $501.3M | $469.0M | $50.0M | $1.2M | 0.19% | 3.10% | 0.32% | 39,019 |
| Q3 2024 | $606.7M | $512.1M | $459.6M | $49.3M | $521K | 0.11% | 3.02% | 0.37% | 39,424 |
| Q2 2024 | $599.1M | $523.8M | $443.9M | $48.9M | $54K | 0.02% | 2.99% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.30% | 0.62% | 22th | |
Return on equity Annualized net income ÷ equity or net worth | 3.6% | 5.9% | 27th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.60% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 0.33% |
| 39,556 |
Loan mix (Q1 2026): real estate $323.1M · commercial $0 · consumer $149.6M · securities $90.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 88.8% | 78.3% | 87th |
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.