| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.4% | +3.9% | -2.5 pts |
| Share growth (YoY) | -4.7% | +3.3% | -8.0 pts |
| Loan growth (YoY) | +16.9% | +2.9% | +14.0 pts |
| ROA | 0.41% | 0.69% | -0.3 pts |
| ROE | 3.3% | 5.9% | -2.7 pts |
ROA ranks in the 30th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $411.0M | $344.2M | $302.8M | $51.4M | $418K | 0.41% | 3.89% | 0.61% | 23,316 |
| Q4 2025 | $406.7M | $347.9M | $298.9M | $51.0M | $2.4M | 0.58% | 3.72% | 0.60% | 23,186 |
| Q3 2025 | $414.7M | $351.8M | $293.2M | $50.6M | $1.8M | 0.57% | 3.59% | 0.68% | 23,027 |
| Q2 2025 | $404.0M | $347.7M | $280.0M | $50.1M | $1.3M | 0.62% | 3.67% | 0.52% | 22,603 |
| Q1 2025 | $405.2M | $361.1M | $258.9M | $49.3M | $484K | 0.48% | 3.62% | 0.62% | 22,097 |
| Q4 2024 | $394.9M | $352.7M | $258.1M | $48.8M | $2.1M | 0.54% | 3.52% | 0.83% | 22,027 |
| Q3 2024 | $412.4M | $350.5M | $263.9M | $49.0M | $2.1M | 0.68% | 3.33% | 0.68% | 22,212 |
| Q2 2024 | $430.5M | $367.2M | $266.0M | $48.3M | $1.4M | 0.66% | 3.08% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.41% | 0.69% | 30th | |
Return on equity Annualized net income ÷ equity or net worth | 3.3% | 5.9% | 27th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.89% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.67% |
| 22,238 |
Loan mix (Q1 2026): real estate $130.9M · commercial $13.6M · consumer $155.3M · securities $69.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 88.5% | 78.7% | 81th |
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.