| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.5% | +3.9% | +2.6 pts |
| Share growth (YoY) | +5.4% | +3.3% | +2.1 pts |
| Loan growth (YoY) | +23.6% | +2.9% | +20.6 pts |
| ROA | 1.11% | 0.69% | +0.4 pts |
| ROE | 10.3% | 5.9% | +4.3 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 | $244.9M | $214.8M | $146.8M | $26.6M | $682K | 1.11% | 3.58% | 0.46% | 19,005 |
| Q4 2025 | $239.8M | $212.7M | $140.1M | $25.9M | $2.0M | 0.83% | 3.43% | 0.88% | 18,919 |
| Q3 2025 | $233.9M | $207.5M | $130.0M | $25.4M | $1.4M | 0.81% | 3.44% | 0.22% | 18,860 |
| Q2 2025 | $231.9M | $204.3M | $129.2M | $24.9M | $908K | 0.78% | 3.42% | 2.46% | 18,663 |
| Q1 2025 | $229.9M | $203.8M | $118.8M | $24.4M | $425K | 0.74% | 3.40% | 2.75% | 18,389 |
| Q4 2024 | $229.1M | $201.7M | $114.4M | $23.9M | $1.3M | 0.55% | 3.07% | 2.73% | 18,578 |
| Q3 2024 | $226.4M | $196.7M | $110.4M | $23.5M | $807K | 0.48% | 3.01% | 2.71% | 18,511 |
| Q2 2024 | $220.2M | $193.1M | $106.6M | $23.1M | $468K | 0.43% | 3.05% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.11% | 0.69% | 76th | |
Return on equity Annualized net income ÷ equity or net worth | 10.3% | 5.9% | 84th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.58% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 2.80% |
| 18,426 |
Loan mix (Q1 2026): real estate $44.3M · commercial $18.5M · consumer $71.9M · securities $64.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.9% | 78.7% | 28th |
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% |
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