| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.8% | +3.9% | +0.8 pts |
| Share growth (YoY) | +3.3% | +3.3% | -0.0 pts |
| Loan growth (YoY) | -1.1% | +2.9% | -4.1 pts |
| ROA | 0.94% | 0.69% | +0.3 pts |
| ROE | 9.4% | 5.9% | +3.5 pts |
ROA ranks in the 67th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $295.6M | $265.1M | $195.3M | $29.7M | $698K | 0.94% | 3.93% | 0.61% | 25,572 |
| Q4 2025 | $286.2M | $256.4M | $190.8M | $29.0M | $3.8M | 1.33% | 3.70% | 0.62% | 25,751 |
| Q3 2025 | $280.9M | $253.3M | $188.0M | $28.3M | $3.1M | 1.45% | 3.70% | 0.49% | 25,672 |
| Q2 2025 | $278.6M | $251.2M | $190.2M | $27.7M | $2.5M | 1.81% | 3.66% | 0.67% | 25,686 |
| Q1 2025 | $282.2M | $256.6M | $197.6M | $25.6M | $411K | 0.58% | 3.44% | 0.83% | 25,572 |
| Q4 2024 | $269.2M | $245.1M | $204.6M | $25.3M | $314K | 0.12% | 3.31% | 0.92% | 25,282 |
| Q3 2024 | $270.8M | $244.0M | $207.1M | $25.1M | $175K | 0.09% | 3.23% | 0.85% | 24,935 |
| Q2 2024 | $276.3M | $245.1M | $212.9M | $24.9M | $-94K | -0.07% | 3.11% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.94% | 0.69% | 67th | |
Return on equity Annualized net income ÷ equity or net worth | 9.4% | 5.9% | 79th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.93% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.57% |
| 24,586 |
Loan mix (Q1 2026): real estate $56.5M · commercial $0 · consumer $112.5M · securities $61.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 72.2% | 78.7% | 29th |
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% |
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