| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.4% | +3.9% | +3.5 pts |
| Share growth (YoY) | +7.0% | +3.3% | +3.8 pts |
| Loan growth (YoY) | +3.1% | +2.9% | +0.2 pts |
| ROA | 1.81% | 0.69% | +1.1 pts |
| ROE | 7.8% | 5.9% | +1.8 pts |
ROA ranks in the 94th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $124.6M | $94.8M | $72.6M | $29.1M | $565K | 1.81% | 5.18% | 0.39% | 13,554 |
| Q4 2025 | $119.6M | $90.4M | $73.2M | $28.5M | $2.2M | 1.84% | 5.38% | 0.49% | 14,446 |
| Q3 2025 | $123.0M | $94.2M | $71.2M | $27.9M | $1.6M | 1.73% | 5.15% | 0.39% | 14,386 |
| Q2 2025 | $120.7M | $92.5M | $70.4M | $27.4M | $1.1M | 1.83% | 5.21% | 0.35% | 14,297 |
| Q1 2025 | $116.0M | $88.5M | $70.4M | $26.7M | $421K | 1.45% | 5.31% | 0.60% | 14,128 |
| Q4 2024 | $114.3M | $87.4M | $71.9M | $26.3M | $2.8M | 2.45% | 5.45% | 0.74% | 14,098 |
| Q3 2024 | $110.7M | $84.2M | $71.4M | $25.6M | $2.1M | 2.55% | 5.56% | 0.50% | 13,980 |
| Q2 2024 | $113.5M | $87.9M | $70.4M | $24.9M | $1.4M | 2.42% | 5.40% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.81% | 0.69% | 94th | |
Return on equity Annualized net income ÷ equity or net worth | 7.8% | 5.9% | 66th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.18% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.36% |
| 13,839 |
Loan mix (Q1 2026): real estate $21.6M · commercial $0 · consumer $44.0M · securities $19.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.0% | 78.7% | 38th |
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.