| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.0% | +3.9% | +2.1 pts |
| Share growth (YoY) | +5.5% | +3.3% | +2.2 pts |
| Loan growth (YoY) | +12.0% | +2.9% | +9.1 pts |
| ROA | 1.35% | 0.69% | +0.7 pts |
| ROE | 8.9% | 5.9% | +3.0 pts |
ROA ranks in the 85th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $374.2M | $312.6M | $274.1M | $56.7M | $1.3M | 1.35% | 4.30% | 0.18% | 19,213 |
| Q4 2025 | $365.6M | $304.1M | $271.0M | $55.4M | $4.2M | 1.16% | 3.94% | 0.37% | 19,118 |
| Q3 2025 | $363.6M | $303.5M | $261.7M | $55.1M | $3.9M | 1.44% | 4.13% | 0.72% | 19,018 |
| Q2 2025 | $353.2M | $295.7M | $250.3M | $53.6M | $2.4M | 1.36% | 4.14% | 0.73% | 18,858 |
| Q1 2025 | $353.0M | $296.2M | $244.7M | $52.2M | $999K | 1.13% | 4.00% | 0.34% | 18,676 |
| Q4 2024 | $343.2M | $286.9M | $246.0M | $51.2M | $2.9M | 0.84% | 3.76% | 0.53% | 18,603 |
| Q3 2024 | $343.6M | $286.6M | $247.4M | $51.3M | $3.0M | 1.18% | 3.91% | 0.39% | 18,594 |
| Q2 2024 | $332.7M | $277.1M | $246.2M | $50.2M | $1.9M | 1.14% | 3.99% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.35% | 0.69% | 85th | |
Return on equity Annualized net income ÷ equity or net worth | 8.9% | 5.9% | 75th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.30% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.53% |
| 18,452 |
Loan mix (Q1 2026): real estate $140.0M · commercial $61.2M · consumer $51.6M · securities $31.6M
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.