| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.2% | +3.9% | +3.3 pts |
| Share growth (YoY) | +5.6% | +3.3% | +2.3 pts |
| Loan growth (YoY) | +3.1% | +2.9% | +0.1 pts |
| ROA | 0.63% | 0.69% | -0.1 pts |
| ROE | 4.7% | 5.9% | -1.2 pts |
ROA ranks in the 45th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $256.0M | $220.7M | $158.2M | $34.3M | $405K | 0.63% | 3.54% | 0.26% | 23,504 |
| Q4 2025 | $251.0M | $215.9M | $161.5M | $33.9M | $2.2M | 0.88% | 3.54% | 0.43% | 23,361 |
| Q3 2025 | $242.5M | $211.0M | $162.9M | $30.4M | $1.4M | 0.78% | 3.58% | 0.47% | 22,976 |
| Q2 2025 | $241.2M | $210.5M | $158.6M | $29.9M | $985K | 0.82% | 3.48% | 0.48% | 22,698 |
| Q1 2025 | $238.9M | $208.9M | $153.5M | $29.5M | $316K | 0.53% | 3.43% | 0.22% | 22,367 |
| Q4 2024 | $235.6M | $205.9M | $153.6M | $29.2M | $1.6M | 0.67% | 3.28% | 0.80% | 22,120 |
| Q3 2024 | $232.4M | $203.4M | $154.4M | $28.6M | $1.0M | 0.60% | 3.33% | 0.56% | 21,944 |
| Q2 2024 | $233.1M | $205.4M | $154.5M | $28.1M | $480K | 0.41% | 3.21% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.63% | 0.69% | 45th | |
Return on equity Annualized net income ÷ equity or net worth | 4.7% | 5.9% | 39th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.54% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.39% |
| 21,691 |
Loan mix (Q1 2026): real estate $27.5M · commercial $0 · consumer $89.7M · securities $65.6M
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.