| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.9% | +3.9% | +1.0 pts |
| Share growth (YoY) | +3.0% | +3.3% | -0.3 pts |
| Loan growth (YoY) | +0.6% | +2.9% | -2.3 pts |
| ROA | 1.83% | 0.69% | +1.1 pts |
| ROE | 12.6% | 5.9% | +6.6 pts |
ROA ranks in the 95th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $253.1M | $213.7M | $156.2M | $36.8M | $1.2M | 1.83% | 4.09% | 0.12% | 19,950 |
| Q4 2025 | $247.9M | $210.1M | $157.8M | $35.7M | $5.0M | 2.01% | 4.13% | 0.11% | 20,067 |
| Q3 2025 | $248.3M | $209.9M | $157.4M | $34.6M | $3.8M | 2.03% | 4.06% | 0.19% | 20,188 |
| Q2 2025 | $250.0M | $213.4M | $158.3M | $33.3M | $2.5M | 2.00% | 3.92% | 0.10% | 20,343 |
| Q1 2025 | $241.2M | $207.5M | $155.3M | $32.1M | $1.3M | 2.11% | 3.96% | 0.10% | 20,467 |
| Q4 2024 | $236.2M | $204.3M | $157.5M | $30.8M | $4.4M | 1.86% | 3.95% | 0.26% | 20,588 |
| Q3 2024 | $235.3M | $203.8M | $161.0M | $29.5M | $3.0M | 1.73% | 3.91% | 0.19% | 20,879 |
| Q2 2024 | $237.6M | $208.4M | $161.3M | $28.4M | $1.9M | 1.59% | 3.81% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.83% | 0.69% | 95th | |
Return on equity Annualized net income ÷ equity or net worth | 12.6% | 5.9% | 92th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.09% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.21% |
| 21,010 |
Loan mix (Q1 2026): real estate $85.6M · commercial $16.9M · consumer $50.1M · securities $53.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.0% | 78.7% | 13th |
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.