| Metric | Guardian Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.2% | +5.1% | +6.0 pts |
| Share growth (YoY) | +6.7% | +4.9% | +1.8 pts |
| Loan growth (YoY) | +6.2% | +5.4% | +0.8 pts |
| ROA | 1.10% | 0.71% | +0.4 pts |
| ROE | 11.5% | 6.3% | +5.2 pts |
ROA ranks in the 79th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.22B | $1.01B | $934.9M | $116.4M | $3.4M | 1.10% | 4.05% | 1.25% | 94,635 |
| Q4 2025 | $1.18B | $992.5M | $927.7M | $113.0M | $15.4M | 1.30% | 4.00% | 1.77% | 93,398 |
| Q3 2025 | $1.16B | $971.1M | $919.3M | $108.7M | $10.8M | 1.24% | 4.01% | 1.35% | 93,421 |
| Q2 2025 | $1.13B | $960.5M | $904.6M | $104.1M | $6.2M | 1.10% | 4.03% | 1.10% | 92,981 |
| Q1 2025 | $1.09B | $951.4M | $880.3M | $100.4M | $2.4M | 0.89% | 4.00% | 1.09% | 92,436 |
| Q4 2024 | $1.05B | $935.4M | $858.4M | $97.9M | $7.3M | 0.70% | 3.90% | 1.70% | 91,552 |
| Q3 2024 | $1.07B | $933.2M | $857.5M | $96.2M | $5.2M | 0.65% | 3.78% | 1.84% | 91,870 |
| Q2 2024 | $1.06B | $921.0M | $864.6M | $93.7M | $2.7M | 0.52% | 3.79% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Guardian Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.10% | 0.71% | 79th | |
Return on equity Annualized net income ÷ equity or net worth | 11.5% | 6.3% | 89th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.05% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 1.46% |
| 91,385 |
Loan mix (Q1 2026): real estate $268.7M · commercial $8.3M · consumer $608.4M · securities $82.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.0% | 73.0% | 35th |
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 | Guardian Credit Union | 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 | Guardian Credit Union | 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 | Guardian Credit Union | 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 | Guardian Credit Union | 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.