| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.2% | +3.9% | +6.3 pts |
| Share growth (YoY) | +10.0% | +3.3% | +6.7 pts |
| Loan growth (YoY) | +21.8% | +2.9% | +18.8 pts |
| ROA | 1.12% | 0.69% | +0.4 pts |
| ROE | 11.2% | 5.9% | +5.2 pts |
ROA ranks in the 76th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $220.2M | $197.3M | $189.8M | $22.1M | $618K | 1.12% | 3.22% | 0.39% | 15,478 |
| Q4 2025 | $211.9M | $189.8M | $181.7M | $21.5M | $2.3M | 1.07% | 3.17% | 0.24% | 15,278 |
| Q3 2025 | $208.5M | $187.0M | $179.3M | $20.8M | $1.5M | 0.96% | 3.11% | 0.20% | 15,275 |
| Q2 2025 | $204.9M | $183.7M | $173.1M | $20.3M | $1.0M | 1.02% | 3.08% | 0.29% | 15,082 |
| Q1 2025 | $199.9M | $179.4M | $155.9M | $19.8M | $508K | 1.02% | 2.95% | 0.31% | 14,726 |
| Q4 2024 | $192.3M | $171.9M | $137.2M | $19.3M | $1.6M | 0.83% | 2.74% | 0.33% | 14,237 |
| Q3 2024 | $187.1M | $166.7M | $124.5M | $18.8M | $1.0M | 0.73% | 2.71% | 0.34% | 14,022 |
| Q2 2024 | $186.9M | $167.5M | $121.7M | $18.4M | $656K | 0.70% | 2.62% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.12% | 0.69% | 76th | |
Return on equity Annualized net income ÷ equity or net worth | 11.2% | 5.9% | 87th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.22% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.39% |
| 14,006 |
Loan mix (Q1 2026): real estate $34.2M · commercial $0 · consumer $153.6M · securities $13.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.8% | 78.7% | 19th |
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.