| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.8% | +3.9% | +2.9 pts |
| Share growth (YoY) | +6.7% | +3.3% | +3.4 pts |
| Loan growth (YoY) | +32.3% | +2.9% | +29.4 pts |
| ROA | 0.83% | 0.69% | +0.1 pts |
| ROE | 9.8% | 5.9% | +3.8 pts |
ROA ranks in the 59th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $134.0M | $122.8M | $71.5M | $11.4M | $278K | 0.83% | 4.02% | 1.24% | 8,701 |
| Q4 2025 | $129.1M | $118.3M | $69.4M | $11.1M | $651K | 0.50% | 3.89% | 1.34% | 8,755 |
| Q3 2025 | $123.6M | $113.1M | $66.8M | $11.0M | $506K | 0.55% | 3.97% | 1.26% | 8,814 |
| Q2 2025 | $126.4M | $115.8M | $60.5M | $10.8M | $324K | 0.51% | 3.75% | 0.90% | 8,738 |
| Q1 2025 | $125.5M | $115.2M | $54.1M | $10.6M | $151K | 0.48% | 3.62% | 0.93% | 8,688 |
| Q4 2024 | $122.0M | $111.8M | $50.6M | $10.5M | $265K | 0.22% | 3.42% | 1.11% | 8,711 |
| Q3 2024 | $116.4M | $106.3M | $47.8M | $10.4M | $217K | 0.25% | 3.55% | 0.35% | 8,771 |
| Q2 2024 | $120.5M | $110.4M | $47.1M | $10.5M | $229K | 0.38% | 3.35% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.83% | 0.69% | 59th | |
Return on equity Annualized net income ÷ equity or net worth | 9.8% | 5.9% | 81th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.02% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.64% |
| 8,803 |
Loan mix (Q1 2026): real estate $42.7M · commercial $0 · consumer $28.8M · securities $32.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.2% | 78.7% | 39th |
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.