| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.2% | +4.8% | +5.4 pts |
| Share growth (YoY) | +10.1% | +4.3% | +5.8 pts |
| Loan growth (YoY) | +11.3% | +4.3% | +7.0 pts |
| ROA | 0.96% | 0.62% | +0.3 pts |
| ROE | 10.5% | 5.9% | +4.6 pts |
ROA ranks in the 71st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $502.3M | $453.0M | $316.0M | $45.9M | $1.2M | 0.96% | 3.25% | 0.16% | 25,316 |
| Q4 2025 | $487.1M | $439.1M | $309.3M | $44.7M | $4.6M | 0.95% | 3.17% | 0.53% | 25,219 |
| Q3 2025 | $471.4M | $424.2M | $304.1M | $43.6M | $3.5M | 0.98% | 3.21% | 0.29% | 25,109 |
| Q2 2025 | $464.1M | $418.5M | $296.0M | $42.1M | $2.1M | 0.89% | 3.15% | 0.46% | 25,309 |
| Q1 2025 | $455.8M | $411.6M | $283.8M | $41.0M | $843K | 0.74% | 3.07% | 0.20% | 25,092 |
| Q4 2024 | $442.9M | $400.4M | $278.1M | $40.1M | $3.8M | 0.86% | 2.97% | 0.51% | 24,830 |
| Q3 2024 | $430.4M | $389.5M | $276.7M | $39.2M | $2.9M | 0.91% | 3.02% | 0.24% | 24,760 |
| Q2 2024 | $423.7M | $385.1M | $272.3M | $38.1M | $1.8M | 0.85% | 3.01% |
| Ratio | Holy Rosary Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.96% | 0.62% | 71th | |
Return on equity Annualized net income ÷ equity or net worth | 10.5% | 5.9% | 83th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.25% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 0.16% |
| 24,537 |
Loan mix (Q1 2026): real estate $204.8M · commercial $20.3M · consumer $84.5M · securities $114.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.2% | 78.3% | 33th |
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 | Holy Rosary 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 | Holy Rosary 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 | Holy Rosary 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 | Holy Rosary 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.