| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.6% | +4.8% | -2.2 pts |
| Share growth (YoY) | +2.4% | +4.3% | -1.9 pts |
| Loan growth (YoY) | +4.3% | +4.3% | -0.1 pts |
| ROA | 0.62% | 0.62% | +0.0 pts |
| ROE | 6.7% | 5.9% | +0.8 pts |
ROA ranks in the 50th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $511.4M | $447.3M | $409.8M | $47.4M | $793K | 0.62% | 3.16% | 0.27% | 21,705 |
| Q4 2025 | $506.6M | $439.0M | $409.2M | $46.6M | $3.9M | 0.77% | 3.04% | 0.24% | 21,604 |
| Q3 2025 | $503.0M | $443.6M | $401.9M | $45.7M | $2.9M | 0.77% | 3.00% | 0.14% | 22,210 |
| Q2 2025 | $503.8M | $442.2M | $399.4M | $44.9M | $2.0M | 0.80% | 2.94% | 0.12% | 22,400 |
| Q1 2025 | $498.5M | $436.7M | $393.2M | $43.2M | $402K | 0.32% | 2.87% | 0.14% | 22,477 |
| Q4 2024 | $497.7M | $426.7M | $391.6M | $42.8M | $1.4M | 0.29% | 2.70% | 0.16% | 22,562 |
| Q3 2024 | $492.4M | $418.3M | $392.3M | $42.6M | $1.0M | 0.28% | 2.69% | 0.15% | 22,751 |
| Q2 2024 | $487.9M | $420.7M | $390.1M | $42.1M | $529K | 0.22% | 2.64% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.62% | 0.62% | 50th | |
Return on equity Annualized net income ÷ equity or net worth | 6.7% | 5.9% | 59th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.16% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 0.21% |
| 23,201 |
Loan mix (Q1 2026): real estate $203.9M · commercial $41.5M · consumer $45.4M · securities $61.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.5% | 78.3% | 61th |
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.