| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.4% | +3.9% | +2.5 pts |
| Share growth (YoY) | +3.9% | +3.3% | +0.6 pts |
| Loan growth (YoY) | +15.7% | +2.9% | +12.8 pts |
| ROA | 0.21% | 0.69% | -0.5 pts |
| ROE | 1.7% | 5.9% | -4.3 pts |
ROA ranks in the 16th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $419.3M | $336.4M | $296.2M | $51.6M | $215K | 0.21% | 3.58% | 1.45% | 21,627 |
| Q4 2025 | $405.9M | $329.7M | $273.5M | $51.4M | $3.0M | 0.73% | 3.26% | 1.97% | 21,687 |
| Q3 2025 | $398.1M | $325.1M | $270.9M | $50.3M | $2.1M | 0.71% | 3.25% | 1.28% | 21,801 |
| Q2 2025 | $397.7M | $325.4M | $260.4M | $49.9M | $1.7M | 0.83% | 3.14% | 1.61% | 21,728 |
| Q1 2025 | $394.0M | $323.8M | $256.0M | $48.7M | $518K | 0.53% | 3.07% | 1.05% | 21,639 |
| Q4 2024 | $384.2M | $316.4M | $253.6M | $48.2M | $1.7M | 0.43% | 2.98% | 1.22% | 21,677 |
| Q3 2024 | $376.8M | $307.6M | $250.4M | $49.1M | $2.6M | 0.91% | 3.02% | 1.24% | 21,673 |
| Q2 2024 | $369.7M | $303.1M | $249.8M | $48.3M | $1.8M | 0.97% | 3.03% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.21% | 0.69% | 16th | |
Return on equity Annualized net income ÷ equity or net worth | 1.7% | 5.9% | 15th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.58% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 1.08% |
| 21,745 |
Loan mix (Q1 2026): real estate $172.5M · commercial $19.0M · consumer $83.6M · securities $74.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.0% | 78.7% | 38th |
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.