| Metric | Filer Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.4% | +3.9% | +3.5 pts |
| Share growth (YoY) | +6.2% | +3.3% | +2.9 pts |
| Loan growth (YoY) | +8.0% | +2.9% | +5.1 pts |
| ROA | 1.28% | 0.69% | +0.6 pts |
| ROE | 10.1% | 5.9% | +4.2 pts |
ROA ranks in the 83rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $258.5M | $228.7M | $150.2M | $32.8M | $828K | 1.28% | 3.44% | 0.57% | 13,252 |
| Q4 2025 | $254.0M | $224.7M | $146.6M | $32.0M | $3.2M | 1.25% | 3.26% | 0.70% | 13,178 |
| Q3 2025 | $249.5M | $221.5M | $144.4M | $31.2M | $2.4M | 1.27% | 3.19% | 0.59% | 13,077 |
| Q2 2025 | $245.0M | $218.5M | $138.6M | $30.3M | $1.5M | 1.23% | 3.16% | 0.85% | 12,952 |
| Q1 2025 | $240.7M | $215.4M | $139.1M | $29.5M | $526K | 0.87% | 3.15% | 0.89% | 12,863 |
| Q4 2024 | $236.2M | $212.2M | $141.2M | $28.9M | $1.9M | 0.80% | 2.98% | 0.94% | 12,786 |
| Q3 2024 | $237.4M | $212.8M | $141.9M | $28.3M | $1.2M | 0.70% | 2.84% | 0.92% | 12,658 |
| Q2 2024 | $238.8M | $215.9M | $140.6M | $28.4M | $1.0M | 0.86% | 2.72% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Filer Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.28% | 0.69% | 83th | |
Return on equity Annualized net income ÷ equity or net worth | 10.1% | 5.9% | 83th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.44% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 1.15% |
| 12,401 |
Loan mix (Q1 2026): real estate $84.0M · commercial $7.3M · consumer $46.3M · securities $81.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.6% | 78.7% | 19th |
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 | Filer Credit Union | 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 | Filer Credit Union | 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 | Filer Credit Union | 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 | Filer Credit Union | 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.