| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.2% | +3.9% | -0.7 pts |
| Share growth (YoY) | +2.7% | +3.3% | -0.6 pts |
| Loan growth (YoY) | +1.0% | +2.9% | -2.0 pts |
| ROA | 1.16% | 0.69% | +0.5 pts |
| ROE | 10.4% | 5.9% | +4.5 pts |
ROA ranks in the 78th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $227.3M | $199.2M | $151.1M | $25.4M | $661K | 1.16% | 3.83% | 0.39% | 19,564 |
| Q4 2025 | $219.9M | $192.7M | $152.5M | $24.7M | $2.3M | 1.07% | 4.03% | 0.65% | 19,350 |
| Q3 2025 | $216.1M | $187.9M | $154.1M | $24.4M | $2.1M | 1.27% | 4.10% | 0.42% | 19,502 |
| Q2 2025 | $218.6M | $190.6M | $153.2M | $23.8M | $1.4M | 1.30% | 4.02% | 0.49% | 19,196 |
| Q1 2025 | $220.2M | $193.9M | $149.7M | $23.0M | $678K | 1.23% | 3.92% | 0.32% | 20,055 |
| Q4 2024 | $210.0M | $184.7M | $149.0M | $22.3M | $2.4M | 1.15% | 4.02% | 0.66% | 19,826 |
| Q3 2024 | $205.9M | $180.3M | $151.8M | $22.0M | $2.1M | 1.34% | 4.07% | 0.53% | 19,783 |
| Q2 2024 | $207.8M | $183.4M | $148.3M | $21.2M | $1.3M | 1.26% | 3.98% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.16% | 0.69% | 78th | |
Return on equity Annualized net income ÷ equity or net worth | 10.4% | 5.9% | 85th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.83% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.48% |
| 19,532 |
Loan mix (Q1 2026): real estate $12.3M · commercial $1.0M · consumer $120.9M · securities $38.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.2% | 78.7% | 35th |
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.