| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.7% | +3.9% | +5.8 pts |
| Share growth (YoY) | +9.1% | +3.3% | +5.8 pts |
| Loan growth (YoY) | +9.1% | +2.9% | +6.1 pts |
| ROA | 1.95% | 0.69% | +1.3 pts |
| ROE | 12.8% | 5.9% | +6.8 pts |
ROA ranks in the 96th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $423.8M | $355.4M | $275.4M | $64.8M | $2.1M | 1.95% | 3.39% | 2.77% | 17,910 |
| Q4 2025 | $400.1M | $334.2M | $273.7M | $62.8M | $6.8M | 1.70% | 3.34% | 2.81% | 17,751 |
| Q3 2025 | $389.1M | $324.3M | $273.5M | $60.7M | $4.8M | 1.63% | 3.35% | 2.89% | 17,639 |
| Q2 2025 | $384.3M | $321.6M | $264.9M | $58.8M | $2.9M | 1.51% | 3.30% | 2.23% | 17,468 |
| Q1 2025 | $386.4M | $325.7M | $252.5M | $57.3M | $1.4M | 1.43% | 3.19% | 2.04% | 17,368 |
| Q4 2024 | $374.5M | $314.1M | $249.3M | $56.0M | $4.4M | 1.18% | 2.79% | 1.59% | 17,214 |
| Q3 2024 | $365.2M | $307.0M | $250.5M | $54.9M | $3.4M | 1.23% | 2.77% | 1.53% | 17,132 |
| Q2 2024 | $363.2M | $306.1M | $243.2M | $53.6M | $2.0M | 1.13% | 2.69% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.95% | 0.69% | 96th | |
Return on equity Annualized net income ÷ equity or net worth | 12.8% | 5.9% | 93th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.39% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 1.95% |
| 16,980 |
Loan mix (Q1 2026): real estate $75.0M · commercial $136.6M · consumer $43.2M · securities $82.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 49.8% | 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.