| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.3% | +3.9% | +4.4 pts |
| Share growth (YoY) | +6.3% | +3.3% | +3.0 pts |
| Loan growth (YoY) | +8.9% | +2.9% | +6.0 pts |
| ROA | 0.95% | 0.69% | +0.3 pts |
| ROE | 9.6% | 5.9% | +3.7 pts |
ROA ranks in the 67th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $282.4M | $247.3M | $188.8M | $27.9M | $670K | 0.95% | 3.68% | 0.75% | 19,670 |
| Q4 2025 | $273.2M | $237.5M | $189.4M | $27.2M | $1.9M | 0.68% | 3.62% | 0.65% | 19,767 |
| Q3 2025 | $267.6M | $232.8M | $185.1M | $27.2M | $1.7M | 0.84% | 3.64% | 0.89% | 19,836 |
| Q2 2025 | $261.5M | $233.0M | $177.8M | $26.7M | $1.3M | 0.97% | 3.63% | 1.28% | 19,792 |
| Q1 2025 | $260.8M | $232.6M | $173.3M | $26.3M | $778K | 1.19% | 3.57% | 1.08% | 19,816 |
| Q4 2024 | $249.6M | $222.3M | $174.5M | $25.5M | $220K | 0.09% | 3.41% | 1.25% | 19,923 |
| Q3 2024 | $247.2M | $219.7M | $173.5M | $25.6M | $251K | 0.14% | 3.37% | 0.96% | 20,153 |
| Q2 2024 | $242.0M | $214.7M | $173.3M | $25.9M | $494K | 0.41% | 3.36% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.95% | 0.69% | 67th | |
Return on equity Annualized net income ÷ equity or net worth | 9.6% | 5.9% | 80th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.68% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.85% |
| 20,151 |
Loan mix (Q1 2026): real estate $68.7M · commercial $18.4M · consumer $91.8M · securities $68.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.3% | 78.7% | 35th |
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.