| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.9% | +3.9% | +4.0 pts |
| Share growth (YoY) | +7.6% | +3.3% | +4.3 pts |
| Loan growth (YoY) | +2.6% | +2.9% | -0.3 pts |
| ROA | 1.81% | 0.69% | +1.1 pts |
| ROE | 13.6% | 5.9% | +7.6 pts |
ROA ranks in the 94th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $336.7M | $292.0M | $222.1M | $44.9M | $1.5M | 1.81% | 2.92% | 0.76% | 23,842 |
| Q4 2025 | $322.8M | $279.5M | $222.9M | $43.4M | $3.6M | 1.10% | 2.60% | 0.68% | 23,590 |
| Q3 2025 | $318.6M | $275.7M | $222.8M | $43.6M | $3.8M | 1.57% | 2.89% | 0.49% | 23,513 |
| Q2 2025 | $315.6M | $273.6M | $221.5M | $42.2M | $2.4M | 1.54% | 2.84% | 0.43% | 23,327 |
| Q1 2025 | $311.9M | $271.3M | $216.4M | $41.0M | $1.1M | 1.44% | 2.72% | 0.49% | 23,122 |
| Q4 2024 | $297.2M | $257.7M | $216.8M | $39.9M | $3.6M | 1.21% | 2.55% | 0.74% | 22,969 |
| Q3 2024 | $310.1M | $252.5M | $217.6M | $39.1M | $2.8M | 1.21% | 2.37% | 0.44% | 22,872 |
| Q2 2024 | $307.9M | $251.5M | $216.2M | $38.1M | $1.8M | 1.19% | 2.32% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.81% | 0.69% | 94th | |
Return on equity Annualized net income ÷ equity or net worth | 13.6% | 5.9% | 94th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.92% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.46% |
| 22,717 |
Loan mix (Q1 2026): real estate $83.2M · commercial $29.6M · consumer $107.5M · securities $66.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 54.4% | 78.7% | 4th |
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.