| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.3% | +4.8% | -0.5 pts |
| Share growth (YoY) | +2.1% | +4.3% | -2.1 pts |
| Loan growth (YoY) | -1.2% | +4.3% | -5.5 pts |
| ROA | 1.40% | 0.62% | +0.8 pts |
| ROE | 10.1% | 5.9% | +4.1 pts |
ROA ranks in the 87th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $521.5M | $453.4M | $225.9M | $72.7M | $1.8M | 1.40% | 3.51% | 2.33% | 18,228 |
| Q4 2025 | $501.1M | $432.9M | $233.4M | $70.9M | $6.8M | 1.36% | 3.61% | 2.28% | 18,169 |
| Q3 2025 | $497.8M | $434.5M | $237.9M | $69.0M | $4.9M | 1.32% | 3.56% | 2.30% | 18,219 |
| Q2 2025 | $493.4M | $433.3M | $234.6M | $67.1M | $3.1M | 1.25% | 3.48% | 3.12% | 18,234 |
| Q1 2025 | $500.0M | $443.9M | $228.6M | $65.3M | $1.3M | 1.01% | 3.12% | 3.41% | 18,204 |
| Q4 2024 | $481.1M | $428.6M | $239.0M | $64.0M | $7.5M | 1.57% | 3.51% | 2.99% | 18,186 |
| Q3 2024 | $461.1M | $407.7M | $246.9M | $62.5M | $6.0M | 1.74% | 3.58% | 1.63% | 18,210 |
| Q2 2024 | $450.3M | $401.8M | $244.9M | $60.9M | $4.4M | 1.97% | 3.60% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.40% | 0.62% | 87th | |
Return on equity Annualized net income ÷ equity or net worth | 10.1% | 5.9% | 81th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.51% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 0.31% |
| 18,279 |
Loan mix (Q1 2026): real estate $32.5M · commercial $107.5M · consumer $64.3M · securities $189.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.3% | 78.3% | 16th |
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.