| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.1% | +3.9% | -0.8 pts |
| Share growth (YoY) | +2.2% | +3.3% | -1.1 pts |
| Loan growth (YoY) | +0.9% | +2.9% | -2.1 pts |
| ROA | 0.83% | 0.69% | +0.1 pts |
| ROE | 9.7% | 5.9% | +3.7 pts |
ROA ranks in the 60th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $498.8M | $422.1M | $409.4M | $42.9M | $1.0M | 0.83% | 4.49% | 1.04% | 32,303 |
| Q4 2025 | $491.3M | $416.3M | $410.5M | $41.9M | $2.5M | 0.51% | 4.33% | 1.13% | 32,286 |
| Q3 2025 | $491.1M | $416.7M | $405.4M | $41.2M | $1.8M | 0.50% | 4.29% | 1.17% | 32,415 |
| Q2 2025 | $494.8M | $421.7M | $402.9M | $40.6M | $956K | 0.39% | 4.19% | 1.66% | 32,456 |
| Q1 2025 | $483.9M | $412.9M | $405.8M | $40.0M | $383K | 0.32% | 4.25% | 1.24% | 32,448 |
| Q4 2024 | $483.2M | $397.6M | $407.0M | $39.6M | $1.6M | 0.33% | 3.88% | 1.47% | 32,404 |
| Q3 2024 | $480.5M | $389.2M | $404.8M | $39.1M | $1.0M | 0.28% | 3.82% | 1.58% | 32,405 |
| Q2 2024 | $483.9M | $394.2M | $398.3M | $39.1M | $586K | 0.24% | 3.71% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.83% | 0.69% | 60th | |
Return on equity Annualized net income ÷ equity or net worth | 9.7% | 5.9% | 81th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.49% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 1.31% |
| 32,428 |
Loan mix (Q1 2026): real estate $229.8M · commercial $23.8M · consumer $149.5M · securities $16.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.6% | 78.7% | 50th |
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.