| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.4% | +3.9% | +1.5 pts |
| Share growth (YoY) | +6.2% | +3.3% | +2.9 pts |
| Loan growth (YoY) | -1.2% | +2.9% | -4.2 pts |
| ROA | 0.57% | 0.69% | -0.1 pts |
| ROE | 4.5% | 5.9% | -1.4 pts |
ROA ranks in the 40th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $328.1M | $283.0M | $180.8M | $41.3M | $466K | 0.57% | 3.57% | 0.90% | 20,598 |
| Q4 2025 | $320.9M | $274.8M | $182.5M | $40.8M | $1.8M | 0.55% | 3.65% | 0.83% | 20,702 |
| Q3 2025 | $313.7M | $268.3M | $184.6M | $40.3M | $1.3M | 0.54% | 3.63% | 0.52% | 20,753 |
| Q2 2025 | $312.6M | $267.7M | $184.2M | $39.8M | $792K | 0.51% | 3.58% | 0.59% | 20,821 |
| Q1 2025 | $311.2M | $266.6M | $183.0M | $39.5M | $418K | 0.54% | 3.49% | 0.70% | 20,795 |
| Q4 2024 | $303.9M | $259.0M | $185.3M | $39.1M | $1.8M | 0.59% | 3.70% | 0.65% | 20,763 |
| Q3 2024 | $301.5M | $256.1M | $186.9M | $38.6M | $1.3M | 0.60% | 3.66% | 0.43% | 20,768 |
| Q2 2024 | $301.9M | $255.9M | $184.6M | $38.1M | $815K | 0.54% | 3.63% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.57% | 0.69% | 40th | |
Return on equity Annualized net income ÷ equity or net worth | 4.5% | 5.9% | 37th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.57% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.43% |
| 20,788 |
Loan mix (Q1 2026): real estate $50.9M · commercial $35.1M · consumer $73.3M · securities $74.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.5% | 78.7% | 57th |
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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