| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.8% | +3.9% | +3.9 pts |
| Share growth (YoY) | +8.1% | +3.3% | +4.8 pts |
| Loan growth (YoY) | +13.1% | +2.9% | +10.2 pts |
| ROA | 0.85% | 0.69% | +0.2 pts |
| ROE | 10.8% | 5.9% | +4.8 pts |
ROA ranks in the 61st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $168.6M | $154.6M | $110.8M | $13.3M | $358K | 0.85% | 3.12% | 0.28% | 9,120 |
| Q4 2025 | $165.9M | $152.1M | $109.9M | $12.9M | $1.5M | 0.90% | 2.87% | 0.41% | 9,098 |
| Q3 2025 | $159.4M | $145.7M | $105.9M | $12.5M | $1.0M | 0.88% | 2.89% | 0.56% | 9,027 |
| Q2 2025 | $158.9M | $146.1M | $102.1M | $12.0M | $583K | 0.73% | 2.76% | 0.36% | 8,921 |
| Q1 2025 | $156.4M | $142.9M | $98.0M | $11.7M | $289K | 0.74% | 2.64% | 0.10% | 8,861 |
| Q4 2024 | $152.6M | $140.4M | $97.6M | $11.4M | $695K | 0.46% | 2.57% | 0.16% | 8,809 |
| Q3 2024 | $148.5M | $136.2M | $95.4M | $11.2M | $530K | 0.48% | 2.63% | 0.19% | 8,872 |
| Q2 2024 | $146.6M | $135.7M | $93.4M | $11.0M | $303K | 0.41% | 2.61% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.85% | 0.69% | 61th | |
Return on equity Annualized net income ÷ equity or net worth | 10.8% | 5.9% | 86th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.12% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.08% |
| 8,954 |
Loan mix (Q1 2026): real estate $45.1M · commercial $15.7M · consumer $39.3M · securities $33.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.8% | 78.7% | 40th |
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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