| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.8% | +3.9% | +3.9 pts |
| Share growth (YoY) | +9.7% | +3.3% | +6.4 pts |
| Loan growth (YoY) | +23.6% | +2.9% | +20.7 pts |
| ROA | 0.41% | 0.69% | -0.3 pts |
| ROE | 3.7% | 5.9% | -2.2 pts |
ROA ranks in the 30th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $453.2M | $397.6M | $218.1M | $49.6M | $463K | 0.41% | 3.10% | 0.20% | 29,596 |
| Q4 2025 | $439.6M | $383.9M | $200.2M | $49.2M | $2.5M | 0.57% | 3.02% | 0.48% | 29,394 |
| Q3 2025 | $430.0M | $375.3M | $178.2M | $49.0M | $2.2M | 0.69% | 3.05% | 0.26% | 29,607 |
| Q2 2025 | $420.3M | $367.4M | $179.3M | $48.3M | $1.5M | 0.73% | 3.10% | 0.22% | 29,475 |
| Q1 2025 | $420.5M | $362.5M | $176.4M | $47.7M | $877K | 0.83% | 3.05% | 0.18% | 29,288 |
| Q4 2024 | $408.5M | $350.7M | $180.1M | $46.8M | $2.6M | 0.64% | 3.01% | 0.37% | 29,099 |
| Q3 2024 | $398.1M | $341.5M | $182.7M | $46.1M | $1.9M | 0.62% | 3.05% | 0.36% | 29,354 |
| Q2 2024 | $402.8M | $347.2M | $172.1M | $45.1M | $826K | 0.41% | 2.95% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.41% | 0.69% | 30th | |
Return on equity Annualized net income ÷ equity or net worth | 3.7% | 5.9% | 31th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.10% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.41% |
| 29,337 |
Loan mix (Q1 2026): real estate $130.3M · commercial $21.4M · consumer $61.0M · securities $190.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.6% | 78.7% | 58th |
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.