| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.0% | +3.9% | -0.9 pts |
| Share growth (YoY) | +2.3% | +3.3% | -1.0 pts |
| Loan growth (YoY) | +1.8% | +2.9% | -1.1 pts |
| ROA | 0.56% | 0.69% | -0.1 pts |
| ROE | 4.2% | 5.9% | -1.8 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 | $409.6M | $353.9M | $293.1M | $55.1M | $578K | 0.56% | 4.38% | 4.19% | 22,839 |
| Q4 2025 | $402.0M | $347.2M | $296.3M | $54.6M | $4.3M | 1.08% | 4.40% | 3.58% | 22,720 |
| Q3 2025 | $400.1M | $343.3M | $296.8M | $53.8M | $3.6M | 1.19% | 4.32% | 2.68% | 22,721 |
| Q2 2025 | $401.4M | $346.2M | $291.1M | $52.5M | $2.3M | 1.12% | 4.16% | 2.25% | 22,515 |
| Q1 2025 | $397.6M | $346.0M | $287.8M | $51.3M | $951K | 0.96% | 4.11% | 2.04% | 22,285 |
| Q4 2024 | $390.4M | $336.8M | $293.3M | $50.3M | $4.5M | 1.15% | 4.17% | 2.02% | 22,232 |
| Q3 2024 | $383.6M | $332.2M | $296.1M | $49.0M | $3.2M | 1.10% | 4.22% | 1.40% | 22,263 |
| Q2 2024 | $380.9M | $329.2M | $298.3M | $47.6M | $1.8M | 0.93% | 4.12% |
| 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 | 4.2% | 5.9% | 35th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.38% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.96% |
| 22,183 |
Loan mix (Q1 2026): real estate $93.1M · commercial $8.9M · consumer $170.8M · securities $35.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.2% | 78.7% | 18th |
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.