| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.8% | +3.9% | +7.8 pts |
| Share growth (YoY) | +11.2% | +3.3% | +7.9 pts |
| Loan growth (YoY) | +7.7% | +2.9% | +4.8 pts |
| ROA | 2.27% | 0.69% | +1.6 pts |
| ROE | 17.4% | 5.9% | +11.5 pts |
ROA ranks in the 98th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $349.2M | $302.8M | $217.8M | $45.5M | $2.0M | 2.27% | 4.13% | 0.13% | 18,634 |
| Q4 2025 | $329.3M | $284.4M | $221.2M | $43.2M | $5.8M | 1.75% | 3.70% | 0.47% | 18,534 |
| Q3 2025 | $319.8M | $276.2M | $219.5M | $43.0M | $5.6M | 2.32% | 4.05% | 0.34% | 18,391 |
| Q2 2025 | $315.4M | $273.9M | $211.4M | $41.0M | $3.5M | 2.22% | 4.03% | 0.34% | 18,135 |
| Q1 2025 | $312.5M | $272.4M | $202.3M | $39.2M | $1.7M | 2.21% | 3.96% | 0.14% | 17,961 |
| Q4 2024 | $300.1M | $261.0M | $199.6M | $37.5M | $5.2M | 1.74% | 3.62% | 0.06% | 17,800 |
| Q3 2024 | $291.1M | $253.3M | $198.6M | $37.2M | $4.9M | 2.26% | 4.03% | 0.12% | 17,630 |
| Q2 2024 | $282.7M | $246.7M | $192.6M | $35.4M | $3.1M | 2.22% | 4.09% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.27% | 0.69% | 98th | |
Return on equity Annualized net income ÷ equity or net worth | 17.4% | 5.9% | 99th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.13% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.05% |
| 17,454 |
Loan mix (Q1 2026): real estate $96.1M · commercial $38.1M · consumer $57.5M · securities $32.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 56.3% | 78.7% | 5th |
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.