| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.1% | +5.1% | +1.9 pts |
| Share growth (YoY) | +7.0% | +4.9% | +2.1 pts |
| Loan growth (YoY) | +7.0% | +5.4% | +1.5 pts |
| ROA | 0.54% | 0.71% | -0.2 pts |
| ROE | 5.0% | 6.3% | -1.2 pts |
ROA ranks in the 35th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $2.87B | $2.54B | $2.14B | $306.4M | $3.9M | 0.54% | 3.56% | 1.02% | 180,917 |
| Q4 2025 | $2.79B | $2.46B | $2.14B | $302.5M | $16.0M | 0.57% | 3.47% | 1.17% | 179,409 |
| Q3 2025 | $2.71B | $2.39B | $2.12B | $299.4M | $12.1M | 0.60% | 3.51% | 1.05% | 177,907 |
| Q2 2025 | $2.72B | $2.40B | $2.07B | $294.9M | $7.6M | 0.56% | 3.41% | 1.00% | 175,638 |
| Q1 2025 | $2.68B | $2.38B | $2.00B | $290.6M | $3.3M | 0.49% | 3.35% | 0.98% | 181,557 |
| Q4 2024 | $2.64B | $2.29B | $1.99B | $287.3M | $11.3M | 0.43% | 3.10% | 1.01% | 180,188 |
| Q3 2024 | $2.64B | $2.28B | $1.96B | $285.8M | $9.0M | 0.46% | 3.03% | 1.04% | 178,606 |
| Q2 2024 | $2.66B | $2.32B | $1.93B | $283.1M | $6.3M | 0.47% | 2.97% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Lake Trust Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.54% | 0.71% | 35th | |
Return on equity Annualized net income ÷ equity or net worth | 5.0% | 6.3% | 34th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.56% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.86% |
| 177,077 |
Loan mix (Q1 2026): real estate $855.2M · commercial $506.1M · consumer $592.6M · securities $340.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.9% | 73.0% | 65th |
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 | Lake Trust Credit Union | 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 | Lake Trust Credit Union | 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 | Lake Trust Credit Union | 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 | Lake Trust Credit Union | 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.