| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.0% | +3.9% | +3.0 pts |
| Share growth (YoY) | +6.0% | +3.3% | +2.7 pts |
| Loan growth (YoY) | +19.3% | +2.9% | +16.3 pts |
| ROA | 0.55% | 0.69% | -0.1 pts |
| ROE | 5.7% | 5.9% | -0.2 pts |
ROA ranks in the 39th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $269.1M | $243.9M | $150.0M | $25.8M | $368K | 0.55% | 2.93% | 0.59% | 18,122 |
| Q4 2025 | $262.0M | $237.2M | $141.6M | $25.4M | $1.1M | 0.44% | 2.91% | 0.98% | 17,740 |
| Q3 2025 | $259.6M | $235.9M | $136.0M | $25.3M | $896K | 0.46% | 2.90% | 0.82% | 17,740 |
| Q2 2025 | $253.2M | $231.1M | $129.9M | $25.0M | $647K | 0.51% | 2.92% | 0.71% | 17,478 |
| Q1 2025 | $251.6M | $230.1M | $125.8M | $24.5M | $156K | 0.25% | 2.84% | 0.65% | 17,279 |
| Q4 2024 | $242.6M | $222.5M | $124.2M | $24.4M | $879K | 0.36% | 2.87% | 1.13% | 17,279 |
| Q3 2024 | $241.4M | $221.6M | $123.2M | $24.1M | $481K | 0.27% | 2.82% | 1.04% | 17,245 |
| Q2 2024 | $245.4M | $227.0M | $116.9M | $23.9M | $247K | 0.20% | 2.71% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.55% | 0.69% | 39th | |
Return on equity Annualized net income ÷ equity or net worth | 5.7% | 5.9% | 48th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.93% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 1.23% |
| 16,925 |
Loan mix (Q1 2026): real estate $46.7M · commercial $22.6M · consumer $55.2M · securities $70.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.8% | 78.7% | 55th |
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.