| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +13.2% | +4.8% | +8.4 pts |
| Share growth (YoY) | +13.9% | +4.3% | +9.6 pts |
| Loan growth (YoY) | +2.0% | +4.3% | -2.4 pts |
| ROA | 0.00% | 0.62% | -0.6 pts |
| ROE | 0.0% | 5.9% | -5.9 pts |
ROA ranks in the 6th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $595.5M | $462.0M | $266.9M | $86.3M | $1K | 0.00% | 3.49% | 1.53% | 31,290 |
| Q4 2025 | $581.0M | $446.0M | $273.2M | $86.3M | $2.7M | 0.46% | 3.47% | 1.81% | 31,023 |
| Q3 2025 | $571.2M | $437.3M | $273.7M | $85.9M | $2.2M | 0.51% | 3.44% | 1.75% | 30,691 |
| Q2 2025 | $556.2M | $425.5M | $279.6M | $84.9M | $1.1M | 0.39% | 3.39% | 1.19% | 30,696 |
| Q1 2025 | $526.0M | $405.6M | $261.8M | $84.2M | $397K | 0.30% | 3.44% | 1.08% | 30,668 |
| Q4 2024 | $498.2M | $405.7M | $266.4M | $83.8M | $1.7M | 0.34% | 3.52% | 1.24% | 30,326 |
| Q3 2024 | $485.2M | $393.0M | $270.5M | $83.6M | $1.4M | 0.39% | 3.64% | 1.03% | 30,342 |
| Q2 2024 | $484.7M | $393.5M | $273.0M | $83.2M | $976K | 0.40% | 3.61% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.00% | 0.62% | 6th | |
Return on equity Annualized net income ÷ equity or net worth | 0.0% | 5.9% | 6th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.49% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 1.06% |
| 30,239 |
Loan mix (Q1 2026): real estate $95.1M · commercial $78.1M · consumer $88.3M · securities $241.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 92.3% | 78.3% | 95th |
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.