| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.9% | +3.9% | +1.0 pts |
| Share growth (YoY) | +3.9% | +3.3% | +0.6 pts |
| Loan growth (YoY) | +5.9% | +2.9% | +3.0 pts |
| ROA | 1.12% | 0.69% | +0.4 pts |
| ROE | 8.9% | 5.9% | +2.9 pts |
ROA ranks in the 76th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $418.1M | $365.7M | $305.3M | $52.7M | $1.2M | 1.12% | 3.54% | 1.35% | 19,786 |
| Q4 2025 | $405.8M | $354.7M | $301.7M | $51.6M | $4.7M | 1.17% | 3.61% | 0.87% | 19,611 |
| Q3 2025 | $397.5M | $347.8M | $295.1M | $50.6M | $3.6M | 1.19% | 3.62% | 1.36% | 19,938 |
| Q2 2025 | $392.8M | $344.7M | $287.2M | $49.3M | $2.2M | 1.14% | 3.56% | 0.77% | 19,864 |
| Q1 2025 | $398.5M | $351.9M | $288.3M | $48.1M | $1.0M | 1.02% | 3.44% | 0.56% | 19,864 |
| Q4 2024 | $393.2M | $346.7M | $284.5M | $47.0M | $3.9M | 0.98% | 3.30% | 1.04% | 19,576 |
| Q3 2024 | $388.7M | $342.0M | $280.3M | $46.3M | $2.9M | 0.99% | 3.31% | 0.72% | 19,285 |
| Q2 2024 | $387.8M | $343.3M | $282.0M | $45.2M | $1.8M | 0.93% | 3.28% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.12% | 0.69% | 76th | |
Return on equity Annualized net income ÷ equity or net worth | 8.9% | 5.9% | 75th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.54% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.83% |
| 19,052 |
Loan mix (Q1 2026): real estate $162.7M · commercial $9.5M · consumer $126.8M · securities $56.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.0% | 78.7% | 15th |
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.