| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.8% | +3.9% | -1.1 pts |
| Share growth (YoY) | +2.5% | +3.3% | -0.8 pts |
| Loan growth (YoY) | +3.9% | +2.9% | +0.9 pts |
| ROA | 0.42% | 0.69% | -0.3 pts |
| ROE | 5.8% | 5.9% | -0.2 pts |
ROA ranks in the 31st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $304.4M | $280.2M | $242.9M | $22.3M | $323K | 0.42% | 4.07% | 0.52% | 18,870 |
| Q4 2025 | $297.0M | $273.6M | $243.7M | $22.0M | $1.2M | 0.41% | 3.90% | 0.76% | 18,848 |
| Q3 2025 | $296.2M | $272.9M | $244.6M | $21.3M | $623K | 0.28% | 3.83% | 0.52% | 18,836 |
| Q2 2025 | $300.7M | $277.2M | $241.2M | $20.9M | $211K | 0.14% | 3.69% | 0.47% | 18,680 |
| Q1 2025 | $296.1M | $273.4M | $233.8M | $20.8M | $21K | 0.03% | 3.63% | 0.59% | 18,494 |
| Q4 2024 | $284.1M | $261.6M | $230.2M | $20.8M | $196K | 0.07% | 3.63% | 0.60% | 18,392 |
| Q3 2024 | $281.5M | $259.2M | $231.5M | $20.7M | $103K | 0.05% | 3.61% | 0.66% | 18,352 |
| Q2 2024 | $282.6M | $259.6M | $229.7M | $20.7M | $66K | 0.05% | 3.54% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.42% | 0.69% | 31th | |
Return on equity Annualized net income ÷ equity or net worth | 5.8% | 5.9% | 49th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.07% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.45% |
| 18,253 |
Loan mix (Q1 2026): real estate $112.0M · commercial $603K · consumer $121.0M · securities $13.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 86.0% | 78.7% | 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% |
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