| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.8% | +3.9% | +3.8 pts |
| Share growth (YoY) | +4.7% | +3.3% | +1.4 pts |
| Loan growth (YoY) | +11.0% | +2.9% | +8.1 pts |
| ROA | 3.02% | 0.69% | +2.3 pts |
| ROE | 24.6% | 5.9% | +18.6 pts |
ROA ranks in the 100th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $220.5M | $185.3M | $158.4M | $27.1M | $1.7M | 3.02% | 3.61% | 1.04% | 19,389 |
| Q4 2025 | $218.0M | $183.9M | $156.9M | $25.6M | $1.8M | 0.81% | 3.57% | 1.09% | 19,367 |
| Q3 2025 | $211.0M | $182.4M | $154.9M | $25.2M | $1.5M | 0.96% | 3.65% | 1.35% | 19,619 |
| Q2 2025 | $203.5M | $174.9M | $150.7M | $25.2M | $1.4M | 1.36% | 3.73% | 1.03% | 19,587 |
| Q1 2025 | $204.6M | $176.9M | $142.7M | $24.5M | $673K | 1.31% | 3.56% | 0.71% | 19,482 |
| Q4 2024 | $205.1M | $173.4M | $142.7M | $23.8M | $-394K | -0.19% | 3.28% | 1.04% | 19,361 |
| Q3 2024 | $200.7M | $168.7M | $143.8M | $24.0M | $-146K | -0.10% | 3.31% | 1.09% | 19,472 |
| Q2 2024 | $201.0M | $167.1M | $140.4M | $24.2M | $-63K | -0.06% | 3.26% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 3.02% | 0.69% | 100th | |
Return on equity Annualized net income ÷ equity or net worth | 24.6% | 5.9% | 99th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.61% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.73% |
| 19,494 |
Loan mix (Q1 2026): real estate $52.5M · commercial $50.7M · consumer $50.2M · securities $31.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 58.1% | 78.7% | 6th |
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.