| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +13.4% | +3.9% | +9.5 pts |
| Share growth (YoY) | +13.0% | +3.3% | +9.7 pts |
| Loan growth (YoY) | +10.4% | +2.9% | +7.5 pts |
| ROA | 1.15% | 0.69% | +0.5 pts |
| ROE | 14.0% | 5.9% | +8.0 pts |
ROA ranks in the 78th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $293.6M | $270.9M | $117.6M | $24.1M | $842K | 1.15% | 3.35% | 0.62% | 17,094 |
| Q4 2025 | $281.6M | $258.7M | $118.6M | $23.2M | $2.4M | 0.85% | 3.03% | 0.72% | 17,103 |
| Q3 2025 | $270.8M | $248.0M | $119.4M | $22.9M | $2.0M | 0.99% | 3.08% | 0.63% | 17,116 |
| Q2 2025 | $264.8M | $243.7M | $113.4M | $22.1M | $1.2M | 0.92% | 3.03% | 0.52% | 17,122 |
| Q1 2025 | $258.9M | $239.7M | $106.6M | $21.2M | $331K | 0.51% | 2.87% | 0.54% | 17,183 |
| Q4 2024 | $246.5M | $228.9M | $107.7M | $20.9M | $2.4M | 0.99% | 2.81% | 0.75% | 17,243 |
| Q3 2024 | $242.9M | $224.8M | $106.1M | $20.3M | $1.9M | 1.04% | 2.75% | 0.55% | 17,258 |
| Q2 2024 | $240.3M | $224.2M | $106.0M | $19.5M | $1.1M | 0.89% | 2.69% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.15% | 0.69% | 78th | |
Return on equity Annualized net income ÷ equity or net worth | 14.0% | 5.9% | 95th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.35% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.57% |
| 17,293 |
Loan mix (Q1 2026): real estate $56.1M · commercial $1.9M · consumer $56.2M · securities $123.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.6% | 78.7% | 26th |
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.