| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.3% | +3.9% | +7.4 pts |
| Share growth (YoY) | +11.0% | +3.3% | +7.7 pts |
| Loan growth (YoY) | +9.1% | +2.9% | +6.1 pts |
| ROA | 1.11% | 0.69% | +0.4 pts |
| ROE | 10.1% | 5.9% | +4.2 pts |
ROA ranks in the 76th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $398.4M | $350.6M | $292.0M | $43.9M | $1.1M | 1.11% | 4.05% | 0.27% | 23,413 |
| Q4 2025 | $371.1M | $324.7M | $293.2M | $42.8M | $4.1M | 1.11% | 4.34% | 0.34% | 23,589 |
| Q3 2025 | $362.7M | $318.1M | $284.4M | $41.7M | $3.0M | 1.10% | 4.43% | 0.46% | 23,953 |
| Q2 2025 | $358.7M | $315.6M | $275.9M | $40.3M | $1.7M | 0.92% | 4.45% | 0.52% | 24,176 |
| Q1 2025 | $357.8M | $315.8M | $267.8M | $39.4M | $711K | 0.80% | 4.41% | 0.64% | 24,036 |
| Q4 2024 | $342.6M | $301.2M | $268.2M | $38.7M | $2.4M | 0.71% | 4.56% | 0.83% | 24,222 |
| Q3 2024 | $344.2M | $303.7M | $269.2M | $38.4M | $1.9M | 0.72% | 4.53% | 1.00% | 24,508 |
| Q2 2024 | $348.2M | $310.0M | $270.3M | $37.5M | $904K | 0.52% | 4.42% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.11% | 0.69% | 76th | |
Return on equity Annualized net income ÷ equity or net worth | 10.1% | 5.9% | 83th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.05% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 1.46% |
| 25,044 |
Loan mix (Q1 2026): real estate $159.2M · commercial $40.7M · consumer $83.9M · securities $931K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.6% | 78.7% | 64th |
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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