| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.6% | +3.9% | +5.7 pts |
| Share growth (YoY) | +5.2% | +3.3% | +1.9 pts |
| Loan growth (YoY) | +5.4% | +2.9% | +2.4 pts |
| ROA | 2.48% | 0.69% | +1.8 pts |
| ROE | 12.7% | 5.9% | +6.7 pts |
ROA ranks in the 99th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $328.1M | $261.9M | $242.7M | $64.2M | $2.0M | 2.48% | 4.50% | 0.21% | 18,798 |
| Q4 2025 | $316.7M | $251.0M | $243.9M | $62.1M | $8.8M | 2.77% | 4.49% | 0.45% | 18,585 |
| Q3 2025 | $310.0M | $253.9M | $240.2M | $60.0M | $6.7M | 2.87% | 4.50% | 0.39% | 18,519 |
| Q2 2025 | $301.7M | $248.3M | $231.7M | $57.8M | $4.4M | 2.94% | 4.55% | 0.18% | 18,442 |
| Q1 2025 | $299.3M | $249.0M | $230.4M | $55.8M | $2.2M | 2.89% | 4.50% | 0.26% | 18,346 |
| Q4 2024 | $292.0M | $241.6M | $219.0M | $53.6M | $8.1M | 2.78% | 4.46% | 0.23% | 17,667 |
| Q3 2024 | $296.1M | $242.6M | $217.4M | $51.6M | $6.1M | 2.76% | 4.34% | 0.25% | 17,726 |
| Q2 2024 | $296.6M | $244.1M | $220.0M | $49.4M | $4.0M | 2.67% | 4.28% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.48% | 0.69% | 99th | |
Return on equity Annualized net income ÷ equity or net worth | 12.7% | 5.9% | 93th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.50% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.26% |
| 17,714 |
Loan mix (Q1 2026): real estate $45.2M · commercial $115.7M · consumer $72.8M · securities $22.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 52.0% | 78.7% | 3th |
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.