| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +12.4% | +3.9% | +8.5 pts |
| Share growth (YoY) | +13.4% | +3.3% | +10.1 pts |
| Loan growth (YoY) | +12.9% | +2.9% | +10.0 pts |
| ROA | 1.10% | 0.69% | +0.4 pts |
| ROE | 9.5% | 5.9% | +3.6 pts |
ROA ranks in the 75th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $147.1M | $129.6M | $120.1M | $16.9M | $404K | 1.10% | 5.12% | 2.95% | 18,169 |
| Q4 2025 | $143.4M | $126.4M | $116.8M | $16.5M | $1.7M | 1.21% | 4.86% | 2.93% | 17,848 |
| Q3 2025 | $141.2M | $124.1M | $114.5M | $16.0M | $1.3M | 1.18% | 4.82% | 3.42% | 17,502 |
| Q2 2025 | $134.3M | $117.6M | $111.3M | $15.7M | $924K | 1.38% | 4.91% | 2.82% | 17,211 |
| Q1 2025 | $130.8M | $114.3M | $106.4M | $15.4M | $602K | 1.84% | 4.86% | 2.80% | 16,283 |
| Q4 2024 | $126.1M | $110.7M | $100.6M | $14.8M | $1.8M | 1.45% | 4.96% | 2.25% | 15,450 |
| Q3 2024 | $121.1M | $106.2M | $96.9M | $14.2M | $1.3M | 1.39% | 5.17% | 1.81% | 15,085 |
| Q2 2024 | $119.8M | $105.3M | $103.9M | $13.8M | $848K | 1.42% | 5.12% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.10% | 0.69% | 75th | |
Return on equity Annualized net income ÷ equity or net worth | 9.5% | 5.9% | 79th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.12% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.80% |
| 14,566 |
Loan mix (Q1 2026): real estate $13.7M · commercial $0 · consumer $86.7M · securities $308K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.3% | 78.7% | 18th |
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.