| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.6% | +3.9% | -2.3 pts |
| Share growth (YoY) | +0.4% | +3.3% | -2.9 pts |
| Loan growth (YoY) | +4.0% | +2.9% | +1.1 pts |
| ROA | 0.99% | 0.69% | +0.3 pts |
| ROE | 9.0% | 5.9% | +3.1 pts |
ROA ranks in the 69th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $253.6M | $228.1M | $207.3M | $27.7M | $625K | 0.99% | 4.25% | 0.96% | 12,579 |
| Q4 2025 | $248.5M | $223.3M | $208.5M | $27.1M | $2.5M | 1.00% | 4.19% | 2.00% | 12,581 |
| Q3 2025 | $248.9M | $224.8M | $206.6M | $27.4M | $2.0M | 1.07% | 4.12% | 1.01% | 12,667 |
| Q2 2025 | $249.1M | $226.0M | $203.9M | $26.5M | $1.1M | 0.88% | 4.01% | 1.51% | 12,716 |
| Q1 2025 | $249.6M | $227.1M | $199.2M | $26.0M | $564K | 0.90% | 3.89% | 0.82% | 12,702 |
| Q4 2024 | $241.9M | $220.0M | $199.9M | $25.4M | $2.3M | 0.97% | 3.70% | 1.72% | 12,690 |
| Q3 2024 | $238.7M | $217.3M | $201.5M | $25.8M | $1.9M | 1.06% | 3.70% | 1.74% | 12,738 |
| Q2 2024 | $231.7M | $211.1M | $202.0M | $25.3M | $1.4M | 1.25% | 3.77% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.99% | 0.69% | 69th | |
Return on equity Annualized net income ÷ equity or net worth | 9.0% | 5.9% | 76th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.25% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 1.25% |
| 12,713 |
Loan mix (Q1 2026): real estate $123.7M · commercial $0 · consumer $78.1M · securities $16.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 72.9% | 78.7% | 31th |
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.