| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.5% | +3.9% | +0.6 pts |
| Share growth (YoY) | +2.4% | +3.3% | -0.9 pts |
| Loan growth (YoY) | +9.9% | +2.9% | +7.0 pts |
| ROA | 0.99% | 0.69% | +0.3 pts |
| ROE | 5.4% | 5.9% | -0.5 pts |
ROA ranks in the 70th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $424.4M | $371.0M | $163.7M | $77.6M | $1.1M | 0.99% | 2.55% | 0.29% | 20,008 |
| Q4 2025 | $416.2M | $362.0M | $162.5M | $76.5M | $5.0M | 1.21% | 2.74% | 0.28% | 19,939 |
| Q3 2025 | $405.3M | $354.5M | $155.0M | $75.2M | $3.7M | 1.21% | 2.75% | 0.35% | 19,921 |
| Q2 2025 | $409.1M | $362.9M | $147.9M | $73.8M | $2.3M | 1.11% | 2.65% | 0.25% | 19,847 |
| Q1 2025 | $406.0M | $362.2M | $149.0M | $72.5M | $979K | 0.96% | 2.57% | 0.39% | 19,861 |
| Q4 2024 | $398.2M | $358.3M | $149.9M | $71.5M | $5.1M | 1.28% | 2.62% | 0.45% | 19,787 |
| Q3 2024 | $400.9M | $353.4M | $148.9M | $70.6M | $4.2M | 1.39% | 2.58% | 0.55% | 19,762 |
| Q2 2024 | $399.4M | $360.3M | $144.6M | $69.5M | $3.1M | 1.54% | 2.54% |
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% | 70th | |
Return on equity Annualized net income ÷ equity or net worth | 5.4% | 5.9% | 46th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.55% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.23% |
| 19,737 |
Loan mix (Q1 2026): real estate $77.8M · commercial $12.2M · consumer $62.7M · securities $200.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.2% | 78.7% | 12th |
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.