| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.1% | +3.9% | +3.2 pts |
| Share growth (YoY) | +7.4% | +3.3% | +4.1 pts |
| Loan growth (YoY) | +15.2% | +2.9% | +12.2 pts |
| ROA | 0.61% | 0.69% | -0.1 pts |
| ROE | 5.9% | 5.9% | -0.1 pts |
ROA ranks in the 43rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $293.1M | $262.3M | $203.2M | $30.4M | $445K | 0.61% | 4.33% | 0.59% | 19,316 |
| Q4 2025 | $283.0M | $252.5M | $205.4M | $29.9M | $2.1M | 0.75% | 4.40% | 1.35% | 19,291 |
| Q3 2025 | $279.5M | $249.2M | $202.1M | $29.6M | $1.8M | 0.85% | 4.43% | 1.22% | 19,172 |
| Q2 2025 | $272.9M | $243.4M | $192.8M | $29.1M | $1.2M | 0.90% | 4.51% | 0.68% | 18,804 |
| Q1 2025 | $273.6M | $244.2M | $176.4M | $28.5M | $671K | 0.98% | 4.50% | 0.52% | 18,319 |
| Q4 2024 | $260.8M | $232.3M | $164.6M | $27.8M | $3.3M | 1.26% | 4.31% | 0.58% | 18,376 |
| Q3 2024 | $256.7M | $229.2M | $164.6M | $27.2M | $2.7M | 1.39% | 4.35% | 0.94% | 18,367 |
| Q2 2024 | $257.3M | $230.7M | $167.2M | $26.4M | $1.9M | 1.45% | 4.29% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.61% | 0.69% | 43th | |
Return on equity Annualized net income ÷ equity or net worth | 5.9% | 5.9% | 49th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.33% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 1.00% |
| 18,430 |
Loan mix (Q1 2026): real estate $61.4M · commercial $11.4M · consumer $120.8M · securities $18.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.1% | 78.7% | 41th |
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.