| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.4% | +3.9% | +4.5 pts |
| Share growth (YoY) | +8.4% | +3.3% | +5.1 pts |
| Loan growth (YoY) | +12.7% | +2.9% | +9.7 pts |
| ROA | 1.00% | 0.69% | +0.3 pts |
| ROE | 9.7% | 5.9% | +3.8 pts |
ROA ranks in the 70th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $252.6M | $223.8M | $187.6M | $26.1M | $634K | 1.00% | 4.81% | 0.46% | 18,449 |
| Q4 2025 | $242.1M | $214.4M | $181.7M | $25.5M | $1.6M | 0.67% | 4.32% | 0.43% | 18,102 |
| Q3 2025 | $228.2M | $200.9M | $179.2M | $25.0M | $1.1M | 0.63% | 4.57% | 0.62% | 18,092 |
| Q2 2025 | $230.1M | $202.9M | $174.0M | $24.7M | $807K | 0.70% | 4.56% | 0.52% | 17,921 |
| Q1 2025 | $233.0M | $206.5M | $166.5M | $24.2M | $334K | 0.57% | 4.67% | 0.55% | 17,670 |
| Q4 2024 | $219.2M | $193.6M | $164.7M | $23.9M | $999K | 0.46% | 3.98% | 0.58% | 17,699 |
| Q3 2024 | $213.8M | $188.1M | $148.4M | $23.8M | $1.3M | 0.80% | 4.28% | 1.19% | 17,415 |
| Q2 2024 | $210.8M | $185.8M | $147.4M | $23.3M | $795K | 0.75% | 4.35% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.00% | 0.69% | 70th | |
Return on equity Annualized net income ÷ equity or net worth | 9.7% | 5.9% | 81th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.81% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.83% |
| 17,299 |
Loan mix (Q1 2026): real estate $74.1M · commercial $0 · consumer $108.8M · securities $20.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.2% | 78.7% | 34th |
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.