| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.7% | +3.9% | +5.8 pts |
| Share growth (YoY) | +10.6% | +3.3% | +7.3 pts |
| Loan growth (YoY) | +9.5% | +2.9% | +6.6 pts |
| ROA | 0.80% | 0.69% | +0.1 pts |
| ROE | 7.8% | 5.9% | +1.9 pts |
ROA ranks in the 57th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $421.3M | $359.9M | $364.5M | $42.9M | $839K | 0.80% | 3.34% | 0.66% | 33,845 |
| Q4 2025 | $413.4M | $352.5M | $360.0M | $42.0M | $2.6M | 0.62% | 3.26% | 0.68% | 32,222 |
| Q3 2025 | $397.0M | $337.7M | $356.0M | $41.0M | $1.6M | 0.52% | 3.32% | 0.52% | 31,373 |
| Q2 2025 | $388.9M | $330.3M | $346.6M | $41.1M | $1.1M | 0.55% | 3.28% | 0.72% | 30,645 |
| Q1 2025 | $384.1M | $325.5M | $332.9M | $40.9M | $871K | 0.91% | 3.20% | 0.59% | 29,876 |
| Q4 2024 | $373.3M | $315.0M | $324.7M | $40.1M | $4.1M | 1.09% | 3.00% | 0.63% | 29,273 |
| Q3 2024 | $368.6M | $311.9M | $322.1M | $38.8M | $2.9M | 1.03% | 2.95% | 0.39% | 28,759 |
| Q2 2024 | $349.7M | $292.9M | $305.9M | $38.4M | $1.8M | 1.05% | 3.00% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.80% | 0.69% | 57th | |
Return on equity Annualized net income ÷ equity or net worth | 7.8% | 5.9% | 66th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.34% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.34% |
| 27,784 |
Loan mix (Q1 2026): real estate $74.1M · commercial $7.9M · consumer $249.2M · securities $1.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.9% | 78.7% | 51th |
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.