| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.7% | +3.9% | +6.8 pts |
| Share growth (YoY) | +10.6% | +3.3% | +7.3 pts |
| Loan growth (YoY) | +3.6% | +2.9% | +0.6 pts |
| ROA | 1.36% | 0.69% | +0.7 pts |
| ROE | 14.8% | 5.9% | +8.9 pts |
ROA ranks in the 85th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $317.0M | $286.0M | $152.4M | $29.0M | $1.1M | 1.36% | 3.19% | 0.65% | 23,162 |
| Q4 2025 | $307.0M | $276.0M | $151.8M | $27.9M | $2.8M | 0.90% | 2.86% | 0.29% | 23,172 |
| Q3 2025 | $301.2M | $271.4M | $152.8M | $28.0M | $2.8M | 1.23% | 3.09% | 0.44% | 23,300 |
| Q2 2025 | $294.4M | $265.7M | $151.8M | $26.9M | $1.7M | 1.13% | 3.06% | 0.39% | 23,200 |
| Q1 2025 | $286.3M | $258.6M | $147.1M | $26.0M | $726K | 1.01% | 2.98% | 0.52% | 23,154 |
| Q4 2024 | $269.8M | $242.9M | $148.5M | $25.2M | $2.2M | 0.82% | 2.79% | 0.59% | 23,115 |
| Q3 2024 | $265.4M | $239.4M | $149.9M | $25.5M | $2.4M | 1.22% | 3.03% | 0.70% | 23,080 |
| Q2 2024 | $261.6M | $236.9M | $148.8M | $24.6M | $1.6M | 1.20% | 2.98% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.36% | 0.69% | 85th | |
Return on equity Annualized net income ÷ equity or net worth | 14.8% | 5.9% | 97th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.19% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.37% |
| 23,034 |
Loan mix (Q1 2026): real estate $63.3M · commercial $17.8M · consumer $55.2M · securities $117.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.9% | 78.7% | 17th |
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.