| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.3% | +4.8% | +6.6 pts |
| Share growth (YoY) | +5.5% | +4.3% | +1.2 pts |
| Loan growth (YoY) | +24.6% | +4.3% | +20.3 pts |
| ROA | 0.49% | 0.62% | -0.1 pts |
| ROE | 5.6% | 5.9% | -0.3 pts |
ROA ranks in the 38th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $503.4M | $428.4M | $343.2M | $43.8M | $612K | 0.49% | 3.46% | 1.23% | 25,704 |
| Q4 2025 | $491.4M | $417.7M | $353.3M | $43.1M | $1.5M | 0.31% | 3.60% | 1.26% | 25,580 |
| Q3 2025 | $447.1M | $403.1M | $289.8M | $42.5M | $864K | 0.26% | 3.93% | 1.23% | 25,416 |
| Q2 2025 | $447.3M | $404.8M | $273.2M | $41.6M | $40K | 0.02% | 3.88% | 1.28% | 25,089 |
| Q1 2025 | $452.1M | $406.0M | $275.4M | $42.2M | $454K | 0.40% | 3.77% | 1.51% | 24,909 |
| Q4 2024 | $435.8M | $394.9M | $275.6M | $41.8M | $1.7M | 0.39% | 3.84% | 1.82% | 24,784 |
| Q3 2024 | $439.7M | $394.0M | $276.3M | $41.4M | $1.3M | 0.39% | 3.84% | 1.89% | 24,761 |
| Q2 2024 | $430.9M | $391.6M | $277.8M | $41.0M | $879K | 0.41% | 3.93% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.49% | 0.62% | 38th | |
Return on equity Annualized net income ÷ equity or net worth | 5.6% | 5.9% | 46th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.46% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 1.98% |
| 24,530 |
Loan mix (Q1 2026): real estate $191.7M · commercial $63.2M · consumer $82.4M · securities $78.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.8% | 78.3% | 74th |
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.