| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.0% | +3.9% | +3.1 pts |
| Share growth (YoY) | +6.5% | +3.3% | +3.2 pts |
| Loan growth (YoY) | +7.4% | +2.9% | +4.5 pts |
| ROA | 0.72% | 0.69% | +0.0 pts |
| ROE | 6.7% | 5.9% | +0.8 pts |
ROA ranks in the 53rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $350.3M | $316.6M | $214.0M | $37.6M | $632K | 0.72% | 3.36% | 0.40% | 21,710 |
| Q4 2025 | $342.9M | $309.5M | $213.6M | $37.0M | $2.5M | 0.72% | 3.06% | 0.70% | 21,554 |
| Q3 2025 | $339.4M | $307.1M | $209.7M | $36.4M | $1.7M | 0.66% | 3.01% | 0.65% | 21,599 |
| Q2 2025 | $332.6M | $301.5M | $205.7M | $35.9M | $1.1M | 0.69% | 2.99% | 0.72% | 21,397 |
| Q1 2025 | $327.4M | $297.4M | $199.2M | $35.3M | $562K | 0.69% | 2.95% | 0.65% | 21,347 |
| Q4 2024 | $316.9M | $288.6M | $195.7M | $34.8M | $1.4M | 0.45% | 2.71% | 0.93% | 21,344 |
| Q3 2024 | $316.7M | $287.8M | $193.2M | $34.3M | $774K | 0.33% | 2.66% | 0.80% | 22,179 |
| Q2 2024 | $317.5M | $291.9M | $195.3M | $34.2M | $603K | 0.38% | 2.60% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.72% | 0.69% | 53th | |
Return on equity Annualized net income ÷ equity or net worth | 6.7% | 5.9% | 58th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.36% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.90% |
| 22,204 |
Loan mix (Q1 2026): real estate $110.9M · commercial $14.6M · consumer $73.3M · securities $100.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.3% | 78.7% | 44th |
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.