| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.6% | +4.8% | -4.2 pts |
| Share growth (YoY) | +0.5% | +4.3% | -3.8 pts |
| Loan growth (YoY) | +0.8% | +4.3% | -3.5 pts |
| ROA | 0.27% | 0.62% | -0.3 pts |
| ROE | 2.8% | 5.9% | -3.1 pts |
ROA ranks in the 20th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $968.1M | $865.9M | $730.8M | $93.8M | $664K | 0.27% | 3.42% | 1.37% | 60,922 |
| Q4 2025 | $958.5M | $854.3M | $740.6M | $93.1M | $1.7M | 0.18% | 3.45% | 2.66% | 60,660 |
| Q3 2025 | $967.7M | $858.3M | $750.5M | $93.6M | $1.4M | 0.19% | 3.37% | 2.75% | 60,333 |
| Q2 2025 | $953.1M | $852.8M | $751.5M | $92.0M | $-256K | -0.05% | 3.25% | 3.21% | 59,590 |
| Q1 2025 | $962.4M | $861.7M | $724.6M | $91.9M | $-348K | -0.14% | 3.04% | 2.91% | 58,041 |
| Q4 2024 | $947.0M | $847.8M | $726.3M | $92.3M | $-7.7M | -0.82% | 3.17% | 2.31% | 58,041 |
| Q3 2024 | $972.4M | $866.0M | $736.1M | $95.9M | $-4.9M | -0.67% | 3.07% | 1.78% | 57,756 |
| Q2 2024 | $1.01B | $883.8M | $738.2M | $100.7M | $-128K | -0.03% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.27% | 0.62% | 20th | |
Return on equity Annualized net income ÷ equity or net worth | 2.8% | 5.9% | 21th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.42% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 2.93% |
| 0.92% |
| 57,577 |
Loan mix (Q1 2026): real estate $261.2M · commercial $196.9M · consumer $197.5M · securities $113.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 85.5% | 78.3% | 79th |
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.