| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +13.0% | +3.9% | +9.1 pts |
| Share growth (YoY) | +6.5% | +3.3% | +3.3 pts |
| Loan growth (YoY) | -1.4% | +2.9% | -4.4 pts |
| ROA | 0.88% | 0.69% | +0.2 pts |
| ROE | 9.6% | 5.9% | +3.6 pts |
ROA ranks in the 63rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $279.3M | $233.7M | $206.3M | $25.8M | $617K | 0.88% | 4.48% | 0.54% | 17,012 |
| Q4 2025 | $274.6M | $240.0M | $210.0M | $25.2M | $1.3M | 0.48% | 4.42% | 1.15% | 17,058 |
| Q3 2025 | $264.6M | $234.7M | $207.4M | $24.8M | $848K | 0.43% | 4.36% | 0.93% | 17,196 |
| Q2 2025 | $258.0M | $228.3M | $213.3M | $24.3M | $327K | 0.25% | 3.93% | 0.81% | 17,199 |
| Q1 2025 | $247.2M | $219.3M | $209.3M | $24.0M | $5K | 0.01% | 3.87% | 0.80% | 16,996 |
| Q4 2024 | $251.3M | $222.8M | $211.9M | $24.0M | $1.3M | 0.50% | 4.27% | 0.79% | 16,917 |
| Q3 2024 | $252.8M | $220.3M | $216.2M | $23.8M | $947K | 0.50% | 4.33% | 0.74% | 16,850 |
| Q2 2024 | $255.1M | $220.2M | $224.2M | $23.1M | $330K | 0.26% | 3.14% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.88% | 0.69% | 63th | |
Return on equity Annualized net income ÷ equity or net worth | 9.6% | 5.9% | 79th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.48% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.94% |
| 16,728 |
Loan mix (Q1 2026): real estate $68.5M · commercial $29.0M · consumer $74.3M · securities $43.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.7% | 78.7% | 54th |
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.