| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.7% | +3.9% | +2.8 pts |
| Share growth (YoY) | +6.2% | +3.3% | +2.9 pts |
| Loan growth (YoY) | +7.3% | +2.9% | +4.3 pts |
| ROA | 1.30% | 0.69% | +0.6 pts |
| ROE | 14.2% | 5.9% | +8.2 pts |
ROA ranks in the 83rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $254.1M | $230.6M | $108.2M | $23.3M | $826K | 1.30% | 3.19% | 0.36% | 19,970 |
| Q4 2025 | $245.3M | $222.7M | $105.9M | $22.5M | $2.4M | 0.97% | 2.87% | 0.27% | 19,793 |
| Q3 2025 | $240.6M | $218.2M | $103.3M | $22.0M | $1.9M | 1.07% | 2.90% | 0.40% | 19,671 |
| Q2 2025 | $238.7M | $218.1M | $101.5M | $21.2M | $1.1M | 0.94% | 2.77% | 0.45% | 19,470 |
| Q1 2025 | $238.1M | $217.2M | $100.9M | $20.6M | $555K | 0.93% | 2.76% | 0.51% | 19,377 |
| Q4 2024 | $227.6M | $207.0M | $99.6M | $20.1M | $2.2M | 0.96% | 2.56% | 0.63% | 19,308 |
| Q3 2024 | $222.7M | $203.2M | $97.0M | $19.2M | $1.3M | 0.78% | 2.53% | 0.60% | 19,153 |
| Q2 2024 | $222.4M | $203.3M | $93.5M | $18.7M | $754K | 0.68% | 2.44% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.30% | 0.69% | 83th | |
Return on equity Annualized net income ÷ equity or net worth | 14.2% | 5.9% | 95th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.19% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.38% |
| 20,139 |
Loan mix (Q1 2026): real estate $46.9M · commercial $0 · consumer $55.2M · securities $129.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.6% | 78.7% | 11th |
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.