| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +14.9% | +3.9% | +11.0 pts |
| Share growth (YoY) | +15.5% | +3.3% | +12.2 pts |
| Loan growth (YoY) | +16.1% | +2.9% | +13.2 pts |
| ROA | 0.72% | 0.69% | +0.0 pts |
| ROE | 6.5% | 5.9% | +0.6 pts |
ROA ranks in the 52nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $378.2M | $330.1M | $326.1M | $41.7M | $679K | 0.72% | 3.98% | 0.17% | 29,761 |
| Q4 2025 | $369.6M | $322.3M | $317.0M | $41.0M | $5.8M | 1.58% | 3.93% | 0.23% | 29,575 |
| Q3 2025 | $346.6M | $301.1M | $297.7M | $39.2M | $4.0M | 1.54% | 4.12% | 0.25% | 29,507 |
| Q2 2025 | $331.8M | $287.8M | $286.8M | $38.2M | $3.0M | 1.82% | 4.28% | 0.27% | 29,211 |
| Q1 2025 | $329.1M | $285.8M | $280.8M | $36.1M | $920K | 1.12% | 4.17% | 0.18% | 28,893 |
| Q4 2024 | $332.6M | $286.4M | $282.1M | $35.2M | $2.7M | 0.81% | 3.97% | 0.27% | 28,588 |
| Q3 2024 | $328.5M | $282.8M | $281.3M | $34.3M | $1.8M | 0.71% | 3.95% | 0.35% | 28,826 |
| Q2 2024 | $323.2M | $278.2M | $277.7M | $33.7M | $1.2M | 0.75% | 3.94% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.72% | 0.69% | 52th | |
Return on equity Annualized net income ÷ equity or net worth | 6.5% | 5.9% | 55th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.98% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.27% |
| 28,630 |
Loan mix (Q1 2026): real estate $96.9M · commercial $18.3M · consumer $208.7M · securities $1.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.4% | 78.7% | 52th |
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.