| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.1% | +3.9% | +4.2 pts |
| Share growth (YoY) | +4.8% | +3.3% | +1.5 pts |
| Loan growth (YoY) | +9.6% | +2.9% | +6.7 pts |
| ROA | 1.69% | 0.69% | +1.0 pts |
| ROE | 19.7% | 5.9% | +13.8 pts |
ROA ranks in the 92nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $167.2M | $148.4M | $145.0M | $14.3M | $705K | 1.69% | 4.14% | 0.44% | 8,383 |
| Q4 2025 | $164.5M | $145.6M | $141.9M | $13.6M | $1.3M | 0.80% | 3.59% | 0.34% | 7,810 |
| Q3 2025 | $160.4M | $144.7M | $141.6M | $13.3M | $1.1M | 0.88% | 3.66% | 0.27% | 7,795 |
| Q2 2025 | $157.1M | $143.8M | $137.9M | $13.1M | $804K | 1.02% | 3.84% | 0.57% | 7,707 |
| Q1 2025 | $154.6M | $141.6M | $132.3M | $12.6M | $361K | 0.93% | 3.63% | 0.28% | 7,613 |
| Q4 2024 | $145.5M | $132.8M | $127.1M | $12.3M | $1.3M | 0.92% | 3.63% | 0.24% | 7,483 |
| Q3 2024 | $144.4M | $132.1M | $126.1M | $12.0M | $1.0M | 0.94% | 3.56% | 0.26% | 7,427 |
| Q2 2024 | $141.6M | $129.6M | $124.4M | $11.6M | $637K | 0.90% | 3.47% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.69% | 0.69% | 92th | |
Return on equity Annualized net income ÷ equity or net worth | 19.7% | 5.9% | 99th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.14% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.16% |
| 7,342 |
Loan mix (Q1 2026): real estate $64.8M · commercial $14.4M · consumer $51.7M · securities $243K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.0% | 78.7% | 13th |
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.