| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.3% | +3.9% | +7.4 pts |
| Share growth (YoY) | +11.3% | +3.3% | +8.0 pts |
| Loan growth (YoY) | +13.7% | +2.9% | +10.8 pts |
| ROA | 1.37% | 0.69% | +0.7 pts |
| ROE | 8.5% | 5.9% | +2.5 pts |
ROA ranks in the 86th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $242.7M | $201.6M | $194.9M | $39.3M | $834K | 1.37% | 3.28% | 0.76% | 8,868 |
| Q4 2025 | $233.9M | $194.1M | $188.1M | $38.4M | $3.5M | 1.50% | 3.15% | 0.82% | 8,817 |
| Q3 2025 | $229.0M | $189.8M | $179.3M | $37.5M | $2.6M | 1.52% | 3.15% | 0.78% | 8,812 |
| Q2 2025 | $223.1M | $184.9M | $173.1M | $36.7M | $1.8M | 1.60% | 3.15% | 0.81% | 8,767 |
| Q1 2025 | $218.0M | $181.2M | $171.4M | $35.7M | $770K | 1.41% | 3.04% | 0.83% | 8,728 |
| Q4 2024 | $211.8M | $175.7M | $166.3M | $34.9M | $3.3M | 1.57% | 2.93% | 1.07% | 8,669 |
| Q3 2024 | $204.7M | $169.3M | $159.2M | $34.1M | $2.4M | 1.59% | 2.99% | 0.66% | 8,646 |
| Q2 2024 | $203.0M | $168.3M | $152.5M | $33.2M | $1.6M | 1.54% | 2.92% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.37% | 0.69% | 86th | |
Return on equity Annualized net income ÷ equity or net worth | 8.5% | 5.9% | 72th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.28% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.45% |
| 8,609 |
Loan mix (Q1 2026): real estate $103.6M · commercial $48.3M · consumer $36.3M · securities $9.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 49.9% | 78.7% | 2th |
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.