| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.9% | +3.9% | +3.0 pts |
| Share growth (YoY) | +6.3% | +3.3% | +3.0 pts |
| Loan growth (YoY) | +7.7% | +2.9% | +4.8 pts |
| ROA | 0.73% | 0.69% | +0.0 pts |
| ROE | 5.9% | 5.9% | -0.0 pts |
ROA ranks in the 53rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $209.4M | $182.5M | $148.6M | $25.8M | $381K | 0.73% | 3.90% | 0.42% | 11,247 |
| Q4 2025 | $203.1M | $176.5M | $149.8M | $25.4M | $2.8M | 1.39% | 4.02% | 0.91% | 11,272 |
| Q3 2025 | $200.5M | $174.4M | $145.0M | $25.1M | $2.4M | 1.62% | 3.99% | 0.58% | 11,378 |
| Q2 2025 | $191.6M | $166.3M | $142.5M | $24.4M | $1.7M | 1.79% | 4.12% | 0.54% | 11,312 |
| Q1 2025 | $195.8M | $171.7M | $137.9M | $23.4M | $669K | 1.37% | 3.96% | 0.21% | 11,249 |
| Q4 2024 | $190.8M | $167.4M | $138.5M | $22.7M | $2.2M | 1.16% | 4.00% | 0.57% | 11,216 |
| Q3 2024 | $189.5M | $166.6M | $136.5M | $22.3M | $1.7M | 1.20% | 3.99% | 0.59% | 11,260 |
| Q2 2024 | $187.5M | $165.3M | $136.8M | $21.7M | $1.1M | 1.17% | 4.00% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.73% | 0.69% | 53th | |
Return on equity Annualized net income ÷ equity or net worth | 5.9% | 5.9% | 50th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.90% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.43% |
| 11,252 |
Loan mix (Q1 2026): real estate $83.6M · commercial $115K · consumer $59.6M · securities $25.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 81.9% | 78.7% | 62th |
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% |
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