| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +12.3% | +3.9% | +8.4 pts |
| Share growth (YoY) | +13.8% | +3.3% | +10.5 pts |
| Loan growth (YoY) | +17.8% | +2.9% | +14.8 pts |
| ROA | 0.34% | 0.69% | -0.4 pts |
| ROE | 3.5% | 5.9% | -2.4 pts |
ROA ranks in the 26th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $411.4M | $365.6M | $333.0M | $39.8M | $351K | 0.34% | 5.22% | 0.45% | 23,159 |
| Q4 2025 | $393.4M | $347.1M | $325.9M | $39.4M | $1.9M | 0.47% | 5.08% | 0.65% | 22,567 |
| Q3 2025 | $369.7M | $323.2M | $302.3M | $38.9M | $1.4M | 0.50% | 5.32% | 0.48% | 22,458 |
| Q2 2025 | $357.9M | $312.4M | $290.7M | $38.4M | $765K | 0.43% | 5.34% | 0.48% | 22,462 |
| Q1 2025 | $366.4M | $321.3M | $282.8M | $37.9M | $265K | 0.29% | 5.02% | 0.36% | 22,572 |
| Q4 2024 | $356.9M | $312.5M | $282.6M | $37.7M | $1.7M | 0.48% | 5.13% | 0.58% | 22,702 |
| Q3 2024 | $357.5M | $312.3M | $283.4M | $37.1M | $1.2M | 0.43% | 5.09% | 0.71% | 22,856 |
| Q2 2024 | $359.5M | $314.8M | $276.4M | $36.5M | $419K | 0.23% | 5.00% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.34% | 0.69% | 26th | |
Return on equity Annualized net income ÷ equity or net worth | 3.5% | 5.9% | 30th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.22% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.84% |
| 22,983 |
Loan mix (Q1 2026): real estate $35.9M · commercial $619K · consumer $103.1M · securities $12.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.8% | 78.7% | 54th |
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.