| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.8% | +3.9% | -0.1 pts |
| Share growth (YoY) | +2.5% | +3.3% | -0.8 pts |
| Loan growth (YoY) | +2.3% | +2.9% | -0.7 pts |
| ROA | 1.44% | 0.69% | +0.8 pts |
| ROE | 8.6% | 5.9% | +2.6 pts |
ROA ranks in the 88th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $360.9M | $298.6M | $239.4M | $60.7M | $1.3M | 1.44% | 3.36% | 0.26% | 22,061 |
| Q4 2025 | $354.2M | $292.9M | $239.4M | $59.4M | $5.9M | 1.66% | 3.41% | 0.34% | 22,072 |
| Q3 2025 | $351.0M | $291.3M | $238.2M | $57.9M | $4.4M | 1.67% | 3.43% | 0.23% | 22,102 |
| Q2 2025 | $356.1M | $298.2M | $235.0M | $56.5M | $2.9M | 1.61% | 3.32% | 0.22% | 22,114 |
| Q1 2025 | $347.6M | $291.3M | $234.1M | $55.0M | $1.3M | 1.48% | 3.26% | 0.32% | 22,054 |
| Q4 2024 | $336.0M | $281.0M | $238.4M | $53.7M | $4.9M | 1.47% | 3.44% | 0.36% | 22,033 |
| Q3 2024 | $329.6M | $275.4M | $243.2M | $52.5M | $3.8M | 1.53% | 3.52% | 0.24% | 21,933 |
| Q2 2024 | $336.9M | $284.2M | $245.3M | $51.3M | $2.4M | 1.41% | 3.42% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.44% | 0.69% | 88th | |
Return on equity Annualized net income ÷ equity or net worth | 8.6% | 5.9% | 72th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.36% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.22% |
| 21,795 |
Loan mix (Q1 2026): real estate $149.9M · commercial $0 · consumer $78.2M · securities $89.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 59.8% | 78.7% | 9th |
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.