| Metric | Dillon Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.7% | +1.3% | +4.4 pts |
| Share growth (YoY) | +5.1% | +0.7% | +4.5 pts |
| Loan growth (YoY) | +1.7% | -2.4% | +4.1 pts |
| ROA | 1.40% | 0.60% | +0.8 pts |
| ROE | 10.1% | 4.1% | +6.0 pts |
ROA ranks in the 83rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $78.0M | $66.6M | $44.8M | $10.9M | $274K | 1.40% | 3.60% | 0.76% | 4,507 |
| Q4 2025 | $75.3M | $64.1M | $44.5M | $10.6M | $884K | 1.17% | 3.52% | 1.22% | 4,512 |
| Q3 2025 | $73.6M | $62.6M | $44.0M | $10.4M | $661K | 1.20% | 3.54% | 0.78% | 4,488 |
| Q2 2025 | $73.7M | $62.8M | $44.3M | $10.2M | $416K | 1.13% | 3.47% | 0.50% | 4,467 |
| Q1 2025 | $73.8M | $63.4M | $44.0M | $9.9M | $189K | 1.02% | 3.39% | 0.51% | 4,437 |
| Q4 2024 | $69.1M | $58.8M | $44.9M | $9.7M | $733K | 1.06% | 3.38% | 0.72% | 4,421 |
| Q3 2024 | $67.7M | $57.5M | $44.4M | $9.6M | $518K | 1.02% | 3.42% | 0.84% | 4,704 |
| Q2 2024 | $67.8M | $57.9M | $45.1M | $9.4M | $369K | 1.09% | 3.30% | 1.04% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Dillon Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.40% | 0.60% | 83rd | |
Return on equity Annualized net income ÷ equity or net worth | 10.1% | 4.1% | 85th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.60% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 4,694 |
Loan mix (Q1 2026): real estate $27.5M · commercial $0 · consumer $16.2M · securities $25.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.2% | 81.5% | 21st |
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 | Dillon Credit Union | 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 | Dillon Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% |
| Ratio | Dillon Credit Union | 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 | Dillon Credit Union | 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 | Dillon Credit Union | 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.