| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.4% | +3.9% | +7.5 pts |
| Share growth (YoY) | +7.4% | +3.3% | +4.1 pts |
| Loan growth (YoY) | +31.4% | +2.9% | +28.4 pts |
| ROA | 4.39% | 0.69% | +3.7 pts |
| ROE | 32.3% | 5.9% | +26.3 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 | $380.2M | $338.4M | $173.6M | $51.6M | $4.2M | 4.39% | 2.19% | 0.67% | 10,736 |
| Q4 2025 | $375.8M | $340.2M | $170.0M | $47.5M | $1.3M | 0.34% | 1.95% | 0.99% | 10,841 |
| Q3 2025 | $343.8M | $308.4M | $162.6M | $47.7M | $1.4M | 0.55% | 1.87% | 0.96% | 10,906 |
| Q2 2025 | $341.6M | $314.3M | $153.4M | $46.5M | $210K | 0.12% | 1.84% | 0.74% | 11,001 |
| Q1 2025 | $341.2M | $315.0M | $132.1M | $46.3M | $19K | 0.02% | 1.67% | 0.70% | 10,905 |
| Q4 2024 | $337.2M | $314.0M | $143.6M | $46.3M | $-3.8M | -1.12% | 1.31% | 0.51% | 10,884 |
| Q3 2024 | $347.4M | $316.2M | $142.8M | $49.0M | $-1.1M | -0.44% | 1.23% | 0.35% | 10,897 |
| Q2 2024 | $340.7M | $316.0M | $143.6M | $49.4M | $-802K | -0.47% | 1.23% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 4.39% | 0.69% | 100th | |
Return on equity Annualized net income ÷ equity or net worth | 32.3% | 5.9% | 100th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.19% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.25% |
| 10,948 |
Loan mix (Q1 2026): real estate $77.6M · commercial $26.1M · consumer $57.7M · securities $185.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 35.0% | 78.7% | 0th |
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.