| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +46.1% | +3.9% | +42.2 pts |
| Share growth (YoY) | +34.4% | +3.3% | +31.1 pts |
| Loan growth (YoY) | +52.7% | +2.9% | +49.8 pts |
| ROA | 0.35% | 0.69% | -0.3 pts |
| ROE | 2.7% | 5.9% | -3.3 pts |
ROA ranks in the 26th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $151.5M | $116.3M | $135.4M | $20.0M | $133K | 0.35% | 4.83% | 3.46% | 10,123 |
| Q4 2025 | $153.4M | $123.0M | $136.3M | $19.8M | $666K | 0.43% | 3.60% | 4.63% | 9,875 |
| Q3 2025 | $158.1M | $129.1M | $138.2M | $19.2M | $467K | 0.39% | 3.28% | 3.82% | 9,977 |
| Q2 2025 | $102.1M | $84.7M | $89.4M | $14.4M | $413K | 0.81% | 4.47% | 3.29% | 4,593 |
| Q1 2025 | $103.7M | $86.5M | $88.7M | $14.3M | $257K | 0.99% | 4.46% | 2.68% | 4,681 |
| Q4 2024 | $102.4M | $85.8M | $89.7M | $14.0M | $1.2M | 1.22% | 4.57% | 3.71% | 4,742 |
| Q3 2024 | $101.8M | $85.3M | $89.6M | $13.7M | $958K | 1.25% | 4.56% | 3.79% | 4,742 |
| Q2 2024 | $102.0M | $85.8M | $88.5M | $13.4M | $648K | 1.27% | 4.50% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.35% | 0.69% | 26th | |
Return on equity Annualized net income ÷ equity or net worth | 2.7% | 5.9% | 22th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.83% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 5.39% |
| 4,718 |
Loan mix (Q1 2026): real estate $88.9M · commercial $14.7M · consumer $17.8M · securities $1.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.5% | 78.7% | 23th |
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.