| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.0% | +3.9% | +1.0 pts |
| Share growth (YoY) | +5.7% | +3.3% | +2.4 pts |
| Loan growth (YoY) | +1.4% | +2.9% | -1.6 pts |
| ROA | 0.67% | 0.69% | -0.0 pts |
| ROE | 7.2% | 5.9% | +1.2 pts |
ROA ranks in the 48th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $336.9M | $305.2M | $150.6M | $31.6M | $568K | 0.67% | 4.62% | 0.64% | 26,931 |
| Q4 2025 | $338.2M | $301.7M | $156.1M | $31.1M | $-1.5M | -0.45% | 4.30% | 1.15% | 25,038 |
| Q3 2025 | $337.5M | $298.1M | $155.3M | $33.7M | $1.1M | 0.43% | 4.22% | 0.91% | 25,038 |
| Q2 2025 | $322.6M | $289.7M | $152.4M | $33.7M | $1.1M | 0.70% | 4.38% | 1.07% | 24,583 |
| Q1 2025 | $321.0M | $288.7M | $148.6M | $33.4M | $830K | 1.03% | 4.35% | 0.50% | 24,322 |
| Q4 2024 | $306.3M | $275.5M | $150.7M | $32.6M | $1.9M | 0.61% | 4.26% | 0.88% | 24,192 |
| Q3 2024 | $350.6M | $275.0M | $152.0M | $32.1M | $1.3M | 0.50% | 3.68% | 0.93% | 24,182 |
| Q2 2024 | $331.1M | $268.7M | $155.2M | $31.3M | $559K | 0.34% | 3.81% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.67% | 0.69% | 48th | |
Return on equity Annualized net income ÷ equity or net worth | 7.2% | 5.9% | 60th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.62% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 1.84% |
| 24,190 |
Loan mix (Q1 2026): real estate $20.6M · commercial $0 · consumer $122.6M · securities $97.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.5% | 78.7% | 32th |
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.