| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.7% | +3.9% | +1.8 pts |
| Share growth (YoY) | +5.7% | +3.3% | +2.4 pts |
| Loan growth (YoY) | +9.7% | +2.9% | +6.7 pts |
| ROA | 0.40% | 0.69% | -0.3 pts |
| ROE | 3.6% | 5.9% | -2.4 pts |
ROA ranks in the 29th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $408.1M | $360.6M | $336.1M | $45.1M | $403K | 0.40% | 3.84% | 1.62% | 18,300 |
| Q4 2025 | $399.4M | $352.6M | $335.7M | $44.7M | $3.6M | 0.90% | 3.91% | 1.37% | 18,163 |
| Q3 2025 | $392.4M | $346.1M | $331.1M | $43.9M | $2.7M | 0.93% | 3.92% | 0.84% | 18,099 |
| Q2 2025 | $386.2M | $341.1M | $322.0M | $42.7M | $1.5M | 0.80% | 3.86% | 1.44% | 17,864 |
| Q1 2025 | $386.1M | $341.2M | $306.5M | $42.1M | $881K | 0.91% | 3.72% | 0.82% | 17,517 |
| Q4 2024 | $369.4M | $326.5M | $298.6M | $41.2M | $3.6M | 0.99% | 3.69% | 1.19% | 17,323 |
| Q3 2024 | $371.0M | $329.0M | $294.0M | $40.4M | $2.7M | 0.98% | 3.61% | 0.65% | 17,222 |
| Q2 2024 | $364.6M | $323.1M | $290.0M | $39.3M | $1.7M | 0.91% | 3.58% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.40% | 0.69% | 29th | |
Return on equity Annualized net income ÷ equity or net worth | 3.6% | 5.9% | 30th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.84% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.57% |
| 17,039 |
Loan mix (Q1 2026): real estate $162.3M · commercial $69.7M · consumer $79.9M · securities $23.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 86.8% | 78.7% | 77th |
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.