| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.8% | +3.9% | +6.9 pts |
| Share growth (YoY) | +11.0% | +3.3% | +7.7 pts |
| Loan growth (YoY) | +1.5% | +2.9% | -1.4 pts |
| ROA | 1.56% | 0.69% | +0.9 pts |
| ROE | 11.3% | 5.9% | +5.4 pts |
ROA ranks in the 90th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $194.6M | $168.5M | $94.7M | $26.7M | $758K | 1.56% | 3.50% | 0.99% | 9,031 |
| Q4 2025 | $188.3M | $162.5M | $94.6M | $26.0M | $2.5M | 1.35% | 3.40% | 0.97% | 9,009 |
| Q3 2025 | $184.4M | $159.3M | $94.7M | $25.3M | $1.9M | 1.38% | 3.42% | 0.89% | 9,031 |
| Q2 2025 | $178.7M | $154.2M | $95.1M | $24.7M | $1.2M | 1.39% | 3.46% | 0.81% | 8,971 |
| Q1 2025 | $175.6M | $151.8M | $93.3M | $24.0M | $554K | 1.26% | 3.41% | 0.68% | 8,935 |
| Q4 2024 | $167.1M | $144.0M | $93.2M | $23.4M | $2.1M | 1.25% | 3.50% | 0.61% | 9,112 |
| Q3 2024 | $166.1M | $143.6M | $91.5M | $22.8M | $1.4M | 1.16% | 3.45% | 0.65% | 9,168 |
| Q2 2024 | $163.8M | $141.9M | $90.7M | $22.2M | $881K | 1.08% | 3.43% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.56% | 0.69% | 90th | |
Return on equity Annualized net income ÷ equity or net worth | 11.3% | 5.9% | 88th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.50% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.60% |
| 9,188 |
Loan mix (Q1 2026): real estate $33.8M · commercial $0 · consumer $60.0M · securities $54.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.2% | 78.7% | 11th |
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.