| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.0% | +4.8% | +1.3 pts |
| Share growth (YoY) | +9.0% | +4.3% | +4.7 pts |
| Loan growth (YoY) | +6.2% | +4.3% | +1.8 pts |
| ROA | 0.41% | 0.62% | -0.2 pts |
| ROE | 4.4% | 5.9% | -1.5 pts |
ROA ranks in the 28th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $572.1M | $494.9M | $453.8M | $53.0M | $584K | 0.41% | 3.41% | 0.15% | 25,612 |
| Q4 2025 | $561.6M | $482.1M | $459.9M | $52.5M | $2.8M | 0.50% | 3.32% | 0.18% | 25,742 |
| Q3 2025 | $551.8M | $471.4M | $467.4M | $51.9M | $2.2M | 0.52% | 3.30% | 0.17% | 25,779 |
| Q2 2025 | $534.8M | $453.8M | $450.8M | $51.1M | $1.4M | 0.53% | 3.27% | 0.10% | 25,743 |
| Q1 2025 | $539.4M | $454.1M | $427.5M | $50.3M | $610K | 0.45% | 3.16% | 0.12% | 25,635 |
| Q4 2024 | $518.1M | $437.1M | $428.6M | $49.8M | $2.5M | 0.48% | 2.99% | 0.16% | 25,743 |
| Q3 2024 | $521.9M | $439.8M | $434.5M | $49.1M | $1.7M | 0.43% | 2.87% | 0.11% | 26,085 |
| Q2 2024 | $498.5M | $426.9M | $416.1M | $48.2M | $864K | 0.35% | 2.89% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.41% | 0.62% | 28th | |
Return on equity Annualized net income ÷ equity or net worth | 4.4% | 5.9% | 34th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.41% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 0.13% |
| 25,886 |
Loan mix (Q1 2026): real estate $137.4M · commercial $133.8M · consumer $177.7M · securities $32.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 84.0% | 78.3% | 75th |
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.