| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.0% | +3.9% | +2.1 pts |
| Share growth (YoY) | +5.3% | +3.3% | +2.0 pts |
| Loan growth (YoY) | +12.3% | +2.9% | +9.3 pts |
| ROA | 1.56% | 0.69% | +0.9 pts |
| ROE | 7.6% | 5.9% | +1.7 pts |
ROA ranks in the 90th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $260.0M | $206.3M | $159.0M | $53.1M | $1.0M | 1.56% | 3.08% | 0.12% | 15,277 |
| Q4 2025 | $249.4M | $196.6M | $160.2M | $52.1M | $4.2M | 1.70% | 3.11% | 0.21% | 15,202 |
| Q3 2025 | $248.5M | $196.7M | $154.8M | $51.1M | $3.2M | 1.71% | 3.07% | 0.12% | 15,182 |
| Q2 2025 | $245.9M | $195.3M | $146.3M | $49.9M | $2.0M | 1.60% | 3.06% | 0.20% | 15,089 |
| Q1 2025 | $245.3M | $195.9M | $141.6M | $48.7M | $860K | 1.40% | 2.94% | 0.26% | 14,906 |
| Q4 2024 | $238.9M | $190.5M | $140.2M | $47.9M | $3.3M | 1.39% | 2.71% | 0.31% | 14,839 |
| Q3 2024 | $273.4M | $225.7M | $141.7M | $46.9M | $2.3M | 1.12% | 2.28% | 0.29% | 14,772 |
| Q2 2024 | $229.2M | $182.5M | $135.2M | $46.0M | $1.4M | 1.21% | 2.63% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.56% | 0.69% | 90th | |
Return on equity Annualized net income ÷ equity or net worth | 7.6% | 5.9% | 64th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.08% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.25% |
| 14,683 |
Loan mix (Q1 2026): real estate $22.2M · commercial $60.6M · consumer $64.1M · securities $78.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 58.9% | 78.7% | 7th |
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.