| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.2% | +3.9% | +3.2 pts |
| Share growth (YoY) | +7.6% | +3.3% | +4.3 pts |
| Loan growth (YoY) | +17.5% | +2.9% | +14.6 pts |
| ROA | 0.47% | 0.69% | -0.2 pts |
| ROE | 4.9% | 5.9% | -1.0 pts |
ROA ranks in the 34th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $255.5M | $229.6M | $181.3M | $24.5M | $300K | 0.47% | 3.23% | 0.86% | 20,984 |
| Q4 2025 | $248.1M | $223.7M | $177.0M | $24.2M | $615K | 0.25% | 3.15% | 0.49% | 21,069 |
| Q3 2025 | $244.9M | $219.2M | $171.4M | $24.0M | $403K | 0.22% | 3.14% | 0.49% | 22,049 |
| Q2 2025 | $237.8M | $212.4M | $163.7M | $23.7M | $149K | 0.12% | 3.11% | 0.39% | 20,684 |
| Q1 2025 | $238.4M | $213.4M | $154.3M | $23.8M | $-48K | -0.08% | 2.97% | 0.38% | 20,662 |
| Q4 2024 | $210.4M | $187.3M | $152.9M | $23.9M | $83K | 0.04% | 2.92% | 0.48% | 20,350 |
| Q3 2024 | $207.0M | $181.6M | $147.7M | $23.9M | $133K | 0.09% | 2.88% | 0.37% | 20,556 |
| Q2 2024 | $210.3M | $185.2M | $145.9M | $23.9M | $104K | 0.10% | 2.71% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.47% | 0.69% | 34th | |
Return on equity Annualized net income ÷ equity or net worth | 4.9% | 5.9% | 40th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.23% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.36% |
| 20,802 |
Loan mix (Q1 2026): real estate $17.1M · commercial $33.2M · consumer $97.4M · securities $27.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.2% | 78.7% | 57th |
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.