| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +91.2% | +4.8% | +86.5 pts |
| Share growth (YoY) | +81.0% | +4.3% | +76.7 pts |
| Loan growth (YoY) | +96.5% | +4.3% | +92.2 pts |
| ROA | 1.45% | 0.62% | +0.8 pts |
| ROE | 13.5% | 5.9% | +7.6 pts |
ROA ranks in the 90th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $671.3M | $572.4M | $502.6M | $71.8M | $2.4M | 1.45% | 4.17% | 0.31% | 50,669 |
| Q4 2025 | $673.6M | $573.5M | $504.0M | $69.4M | $6.0M | 0.89% | 2.57% | 0.31% | 50,669 |
| Q3 2025 | $347.6M | $312.1M | $256.4M | $32.8M | $2.0M | 0.78% | 3.91% | 0.20% | 30,972 |
| Q2 2025 | $355.6M | $319.4M | $263.8M | $32.0M | $1.3M | 0.73% | 3.74% | 0.17% | 30,472 |
| Q1 2025 | $351.0M | $316.3M | $255.8M | $31.3M | $567K | 0.65% | 3.60% | 0.21% | 29,738 |
| Q4 2024 | $343.6M | $308.3M | $247.7M | $30.6M | $2.0M | 0.58% | 3.71% | 0.27% | 30,058 |
| Q3 2024 | $341.6M | $304.9M | $249.0M | $30.4M | $1.8M | 0.70% | 3.63% | 0.26% | 29,810 |
| Q2 2024 | $347.3M | $310.0M | $251.5M | $29.8M | $1.2M | 0.68% | 3.57% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.45% | 0.62% | 90th | |
Return on equity Annualized net income ÷ equity or net worth | 13.5% | 5.9% | 95th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.17% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 0.22% |
| 29,343 |
Loan mix (Q1 2026): real estate $186.8M · commercial $8.7M · consumer $290.0M · securities $82.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.5% | 78.3% | 17th |
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.