| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.4% | +3.9% | -1.5 pts |
| Share growth (YoY) | +0.4% | +3.3% | -2.9 pts |
| Loan growth (YoY) | +23.7% | +2.9% | +20.8 pts |
| ROA | 1.55% | 0.69% | +0.9 pts |
| ROE | 12.3% | 5.9% | +6.3 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 | $314.1M | $282.4M | $171.8M | $39.6M | $1.2M | 1.55% | 3.36% | 0.08% | 14,443 |
| Q4 2025 | $307.0M | $275.3M | $171.3M | $38.4M | $3.0M | 0.97% | 3.26% | 0.04% | 14,399 |
| Q3 2025 | $302.1M | $272.1M | $169.8M | $37.4M | $2.0M | 0.88% | 3.27% | 0.06% | 14,306 |
| Q2 2025 | $302.8M | $275.9M | $161.4M | $36.3M | $891K | 0.59% | 3.20% | 0.03% | 14,037 |
| Q1 2025 | $306.7M | $281.3M | $138.8M | $35.9M | $504K | 0.66% | 3.07% | 0.05% | 13,720 |
| Q4 2024 | $293.2M | $270.7M | $137.1M | $35.4M | $2.0M | 0.68% | 3.00% | 0.20% | 13,629 |
| Q3 2024 | $292.2M | $267.6M | $140.5M | $35.2M | $1.8M | 0.82% | 2.96% | 0.27% | 13,646 |
| Q2 2024 | $292.0M | $272.1M | $140.6M | $34.7M | $1.5M | 1.04% | 2.90% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.55% | 0.69% | 90th | |
Return on equity Annualized net income ÷ equity or net worth | 12.3% | 5.9% | 91th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.36% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.12% |
| 13,581 |
Loan mix (Q1 2026): real estate $35.0M · commercial $20.2M · consumer $104.0M · securities $95.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.3% | 78.7% | 12th |
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.