| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.4% | +3.9% | +7.5 pts |
| Share growth (YoY) | +11.4% | +3.3% | +8.1 pts |
| Loan growth (YoY) | +5.8% | +2.9% | +2.8 pts |
| ROA | 1.23% | 0.69% | +0.5 pts |
| ROE | 8.6% | 5.9% | +2.6 pts |
ROA ranks in the 81st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $135.7M | $115.2M | $72.1M | $19.5M | $418K | 1.23% | 3.48% | 0.18% | 8,824 |
| Q4 2025 | $129.8M | $110.1M | $72.3M | $19.1M | $2.0M | 1.54% | 3.67% | 0.48% | 8,766 |
| Q3 2025 | $125.5M | $106.2M | $71.7M | $18.6M | $1.6M | 1.66% | 3.77% | 0.09% | 8,579 |
| Q2 2025 | $123.4M | $104.4M | $68.9M | $18.2M | $1.1M | 1.76% | 3.81% | 0.16% | 8,339 |
| Q1 2025 | $121.8M | $103.3M | $68.2M | $17.7M | $627K | 2.06% | 3.81% | 0.07% | 8,011 |
| Q4 2024 | $115.3M | $97.2M | $67.9M | $17.1M | $1.8M | 1.53% | 3.81% | 0.39% | 7,921 |
| Q3 2024 | $111.0M | $93.1M | $68.0M | $16.6M | $1.3M | 1.59% | 3.91% | 0.12% | 7,895 |
| Q2 2024 | $109.6M | $92.3M | $66.3M | $16.1M | $823K | 1.50% | 3.91% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.23% | 0.69% | 81th | |
Return on equity Annualized net income ÷ equity or net worth | 8.6% | 5.9% | 72th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.48% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.12% |
| 7,866 |
Loan mix (Q1 2026): real estate $33.6M · commercial $0 · consumer $19.6M · securities $42.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.0% | 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% |
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