| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.4% | +4.8% | +6.7 pts |
| Share growth (YoY) | +11.9% | +4.3% | +7.6 pts |
| Loan growth (YoY) | +5.9% | +4.3% | +1.6 pts |
| ROA | 0.94% | 0.62% | +0.3 pts |
| ROE | 8.6% | 5.9% | +2.7 pts |
ROA ranks in the 70th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $589.3M | $521.9M | $456.2M | $64.5M | $1.4M | 0.94% | 5.42% | 0.99% | 44,225 |
| Q4 2025 | $570.6M | $503.0M | $456.6M | $63.1M | $6.4M | 1.12% | 5.39% | 1.22% | 44,120 |
| Q3 2025 | $543.7M | $479.3M | $446.3M | $63.3M | $5.9M | 1.46% | 5.61% | 1.50% | 44,043 |
| Q2 2025 | $528.6M | $466.9M | $438.8M | $61.3M | $4.0M | 1.51% | 5.71% | 1.35% | 43,702 |
| Q1 2025 | $528.9M | $466.2M | $430.7M | $59.4M | $2.1M | 1.58% | 5.60% | 1.13% | 43,772 |
| Q4 2024 | $512.9M | $452.4M | $433.8M | $57.2M | $3.3M | 0.64% | 5.37% | 1.30% | 43,631 |
| Q3 2024 | $516.1M | $456.8M | $430.0M | $57.0M | $2.5M | 0.64% | 5.21% | 1.30% | 43,880 |
| Q2 2024 | $533.3M | $474.1M | $427.6M | $55.9M | $1.3M | 0.49% | 4.90% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.94% | 0.62% | 70th | |
Return on equity Annualized net income ÷ equity or net worth | 8.6% | 5.9% | 70th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.42% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 1.19% |
| 44,517 |
Loan mix (Q1 2026): real estate $103.3M · commercial $13.9M · consumer $296.8M · securities $27.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.9% | 78.3% | 22th |
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.