| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.2% | +3.9% | +7.3 pts |
| Share growth (YoY) | +11.5% | +3.3% | +8.2 pts |
| Loan growth (YoY) | -1.1% | +2.9% | -4.0 pts |
| ROA | 0.87% | 0.69% | +0.2 pts |
| ROE | 6.5% | 5.9% | +0.5 pts |
ROA ranks in the 62nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $224.5M | $193.4M | $127.3M | $30.2M | $491K | 0.87% | 3.47% | 0.91% | 12,689 |
| Q4 2025 | $221.4M | $190.7M | $127.6M | $29.9M | $2.7M | 1.24% | 3.54% | 0.87% | 12,623 |
| Q3 2025 | $219.5M | $189.6M | $128.4M | $29.2M | $2.0M | 1.21% | 3.56% | 0.89% | 12,611 |
| Q2 2025 | $213.7M | $184.5M | $127.2M | $28.4M | $1.2M | 1.12% | 3.60% | 0.89% | 12,551 |
| Q1 2025 | $201.9M | $173.5M | $128.7M | $27.7M | $472K | 0.93% | 3.70% | 0.36% | 12,480 |
| Q4 2024 | $200.5M | $172.7M | $127.1M | $27.4M | $3.1M | 1.56% | 3.57% | 0.61% | 12,433 |
| Q3 2024 | $203.5M | $176.3M | $129.0M | $26.7M | $2.4M | 1.57% | 3.47% | 0.54% | 12,435 |
| Q2 2024 | $200.9M | $174.6M | $123.1M | $25.8M | $1.5M | 1.54% | 3.43% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.87% | 0.69% | 62th | |
Return on equity Annualized net income ÷ equity or net worth | 6.5% | 5.9% | 55th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.47% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.20% |
| 12,380 |
Loan mix (Q1 2026): real estate $34.5M · commercial $32.3M · consumer $52.6M · securities $56.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.6% | 78.7% | 27th |
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.