| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.1% | +3.9% | +1.2 pts |
| Share growth (YoY) | +4.5% | +3.3% | +1.3 pts |
| Loan growth (YoY) | +6.9% | +2.9% | +4.0 pts |
| ROA | 0.56% | 0.69% | -0.1 pts |
| ROE | 5.4% | 5.9% | -0.6 pts |
ROA ranks in the 40th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $485.1M | $433.1M | $267.0M | $50.4M | $675K | 0.56% | 2.95% | 0.42% | 49,171 |
| Q4 2025 | $467.5M | $415.7M | $265.6M | $49.8M | $3.8M | 0.81% | 2.90% | 0.44% | 48,883 |
| Q3 2025 | $463.2M | $411.9M | $266.1M | $49.3M | $3.3M | 0.95% | 2.89% | 0.46% | 48,973 |
| Q2 2025 | $459.4M | $410.3M | $257.6M | $48.2M | $2.2M | 0.95% | 2.86% | 0.30% | 48,627 |
| Q1 2025 | $461.6M | $414.3M | $249.8M | $47.0M | $963K | 0.83% | 2.73% | 0.49% | 48,181 |
| Q4 2024 | $439.7M | $394.1M | $249.9M | $46.1M | $3.2M | 0.73% | 2.62% | 0.44% | 47,918 |
| Q3 2024 | $431.1M | $386.3M | $247.1M | $45.5M | $2.6M | 0.79% | 2.63% | 0.48% | 47,710 |
| Q2 2024 | $436.7M | $392.8M | $244.9M | $44.7M | $1.8M | 0.82% | 2.59% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.56% | 0.69% | 40th | |
Return on equity Annualized net income ÷ equity or net worth | 5.4% | 5.9% | 45th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.95% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.37% |
| 47,506 |
Loan mix (Q1 2026): real estate $78.8M · commercial $8.7M · consumer $173.2M · securities $126.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.8% | 78.7% | 69th |
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.