| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.4% | +3.9% | -1.5 pts |
| Share growth (YoY) | +1.7% | +3.3% | -1.6 pts |
| Loan growth (YoY) | +8.2% | +2.9% | +5.3 pts |
| ROA | 1.20% | 0.69% | +0.5 pts |
| ROE | 9.8% | 5.9% | +3.8 pts |
ROA ranks in the 79th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $498.4M | $429.9M | $349.4M | $61.4M | $1.5M | 1.20% | 3.78% | 0.68% | 25,149 |
| Q4 2025 | $484.8M | $419.0M | $338.6M | $59.9M | $2.1M | 0.42% | 3.75% | 0.71% | 25,159 |
| Q3 2025 | $480.7M | $414.5M | $336.6M | $59.7M | $1.8M | 0.50% | 3.75% | 0.44% | 25,157 |
| Q2 2025 | $482.6M | $417.3M | $337.4M | $58.9M | $954K | 0.40% | 3.64% | 0.34% | 25,065 |
| Q1 2025 | $486.7M | $422.7M | $322.8M | $58.4M | $420K | 0.35% | 3.48% | 0.35% | 24,930 |
| Q4 2024 | $480.9M | $417.4M | $307.7M | $57.9M | $5.4M | 1.12% | 3.37% | 0.35% | 24,818 |
| Q3 2024 | $492.1M | $411.5M | $311.6M | $57.9M | $5.4M | 1.45% | 3.25% | 0.34% | 24,754 |
| Q2 2024 | $499.0M | $419.9M | $306.9M | $57.2M | $4.5M | 1.82% | 3.15% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.20% | 0.69% | 79th | |
Return on equity Annualized net income ÷ equity or net worth | 9.8% | 5.9% | 82th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.78% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.32% |
| 24,585 |
Loan mix (Q1 2026): real estate $123.8M · commercial $4.9M · consumer $167.3M · securities $99.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.7% | 78.7% | 26th |
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.