| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.5% | +3.9% | -0.5 pts |
| Share growth (YoY) | +2.7% | +3.3% | -0.6 pts |
| Loan growth (YoY) | -1.7% | +2.9% | -4.6 pts |
| ROA | 1.69% | 0.69% | +1.0 pts |
| ROE | 11.1% | 5.9% | +5.2 pts |
ROA ranks in the 92nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $397.3M | $336.1M | $253.1M | $60.1M | $1.7M | 1.69% | 4.00% | 0.84% | 42,117 |
| Q4 2025 | $380.3M | $320.7M | $255.0M | $58.4M | $5.5M | 1.44% | 4.29% | 1.13% | 41,798 |
| Q3 2025 | $377.0M | $318.1M | $254.3M | $58.0M | $4.5M | 1.59% | 4.30% | 0.84% | 42,033 |
| Q2 2025 | $383.5M | $325.4M | $252.9M | $56.5M | $3.0M | 1.54% | 4.15% | 1.15% | 41,693 |
| Q1 2025 | $384.0M | $327.1M | $257.4M | $55.3M | $1.8M | 1.89% | 4.01% | 0.89% | 41,351 |
| Q4 2024 | $373.7M | $319.3M | $264.2M | $53.5M | $6.2M | 1.67% | 4.12% | 1.79% | 41,045 |
| Q3 2024 | $372.0M | $318.5M | $259.8M | $53.9M | $5.9M | 2.12% | 4.19% | 1.64% | 40,839 |
| Q2 2024 | $359.4M | $307.5M | $262.1M | $52.2M | $4.2M | 2.34% | 4.26% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.69% | 0.69% | 92th | |
Return on equity Annualized net income ÷ equity or net worth | 11.1% | 5.9% | 87th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.00% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 1.65% |
| 40,596 |
Loan mix (Q1 2026): real estate $37.5M · commercial $404K · consumer $200.0M · securities $13.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.8% | 78.7% | 11th |
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.