| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.5% | +3.9% | +3.6 pts |
| Share growth (YoY) | +7.7% | +3.3% | +4.4 pts |
| Loan growth (YoY) | +24.3% | +2.9% | +21.4 pts |
| ROA | 0.08% | 0.69% | -0.6 pts |
| ROE | 1.0% | 5.9% | -5.0 pts |
ROA ranks in the 11th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $472.6M | $421.2M | $335.6M | $38.0M | $95K | 0.08% | 3.56% | 0.66% | 50,216 |
| Q4 2025 | $458.4M | $405.5M | $315.8M | $37.9M | $2.8M | 0.61% | 2.73% | 0.69% | 49,368 |
| Q3 2025 | $450.6M | $395.9M | $302.7M | $37.9M | $2.8M | 0.82% | 2.61% | 0.58% | 48,368 |
| Q2 2025 | $449.9M | $395.9M | $283.7M | $38.3M | $2.9M | 1.30% | 2.52% | 0.64% | 47,494 |
| Q1 2025 | $439.5M | $391.3M | $270.0M | $35.2M | $-161K | -0.15% | 2.54% | 0.66% | 46,611 |
| Q4 2024 | $435.4M | $388.4M | $269.2M | $35.4M | $-567K | -0.13% | 2.47% | 0.79% | 46,195 |
| Q3 2024 | $449.6M | $383.3M | $271.9M | $35.5M | $-426K | -0.13% | 2.43% | 0.84% | 45,439 |
| Q2 2024 | $458.0M | $402.2M | $273.5M | $35.7M | $-372K | -0.16% | 2.48% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.08% | 0.69% | 11th | |
Return on equity Annualized net income ÷ equity or net worth | 1.0% | 5.9% | 12th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.56% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.63% |
| 46,569 |
Loan mix (Q1 2026): real estate $175.6M · commercial $7.0M · consumer $149.8M · securities $70.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 89.0% | 78.7% | 83th |
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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