| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.5% | +3.9% | +3.6 pts |
| Share growth (YoY) | +7.7% | +3.3% | +4.4 pts |
| Loan growth (YoY) | +10.2% | +2.9% | +7.2 pts |
| ROA | 0.57% | 0.69% | -0.1 pts |
| ROE | 5.9% | 5.9% | +0.0 pts |
ROA ranks in the 41st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $289.5M | $260.8M | $236.3M | $27.9M | $416K | 0.57% | 3.71% | 0.25% | 21,494 |
| Q4 2025 | $280.6M | $250.7M | $229.7M | $27.5M | $2.1M | 0.74% | 3.72% | 0.52% | 21,400 |
| Q3 2025 | $270.9M | $242.3M | $226.4M | $27.6M | $2.1M | 1.02% | 3.79% | 0.44% | 21,409 |
| Q2 2025 | $272.1M | $243.7M | $221.1M | $27.0M | $1.5M | 1.09% | 3.66% | 0.22% | 21,362 |
| Q1 2025 | $269.4M | $242.2M | $214.6M | $26.4M | $845K | 1.26% | 3.60% | 0.32% | 21,280 |
| Q4 2024 | $261.6M | $234.8M | $211.1M | $25.5M | $2.0M | 0.78% | 3.68% | 0.35% | 21,186 |
| Q3 2024 | $261.7M | $235.0M | $206.9M | $25.5M | $1.9M | 0.98% | 3.65% | 0.69% | 21,216 |
| Q2 2024 | $264.1M | $237.2M | $203.3M | $24.7M | $1.2M | 0.89% | 3.55% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.57% | 0.69% | 41th | |
Return on equity Annualized net income ÷ equity or net worth | 5.9% | 5.9% | 50th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.71% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.52% |
| 21,119 |
Loan mix (Q1 2026): real estate $169.3M · commercial $125K · consumer $52.3M · securities $1.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 86.9% | 78.7% | 78th |
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.