| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.5% | +3.9% | +2.6 pts |
| Share growth (YoY) | +5.6% | +3.3% | +2.3 pts |
| Loan growth (YoY) | +19.8% | +2.9% | +16.8 pts |
| ROA | 2.21% | 0.69% | +1.5 pts |
| ROE | 15.8% | 5.9% | +9.8 pts |
ROA ranks in the 98th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $433.8M | $376.6M | $228.8M | $60.9M | $2.4M | 2.21% | 2.89% | 0.81% | 22,641 |
| Q4 2025 | $414.7M | $359.8M | $216.2M | $58.5M | $1.5M | 0.37% | 2.68% | 0.63% | 21,030 |
| Q3 2025 | $410.1M | $355.6M | $211.8M | $58.0M | $1.0M | 0.34% | 2.66% | 0.53% | 20,950 |
| Q2 2025 | $411.5M | $358.5M | $204.3M | $57.7M | $693K | 0.34% | 2.61% | 0.60% | 20,671 |
| Q1 2025 | $407.3M | $356.5M | $191.1M | $57.4M | $362K | 0.36% | 2.59% | 0.89% | 20,371 |
| Q4 2024 | $401.8M | $353.6M | $191.5M | $57.0M | $1.5M | 0.37% | 2.48% | 1.02% | 20,220 |
| Q3 2024 | $399.4M | $349.8M | $189.2M | $56.6M | $1.1M | 0.36% | 2.48% | 0.59% | 20,196 |
| Q2 2024 | $397.4M | $351.9M | $186.9M | $56.2M | $740K | 0.37% | 2.48% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.21% | 0.69% | 98th | |
Return on equity Annualized net income ÷ equity or net worth | 15.8% | 5.9% | 98th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.89% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.55% |
| 20,196 |
Loan mix (Q1 2026): real estate $79.2M · commercial $34.9M · consumer $105.3M · securities $142.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 58.6% | 78.7% | 7th |
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.