| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.2% | +3.9% | +5.3 pts |
| Share growth (YoY) | +9.3% | +3.3% | +6.0 pts |
| Loan growth (YoY) | +5.4% | +2.9% | +2.5 pts |
| ROA | 0.51% | 0.69% | -0.2 pts |
| ROE | 5.1% | 5.9% | -0.9 pts |
ROA ranks in the 37th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $275.3M | $244.6M | $204.0M | $27.8M | $353K | 0.51% | 3.66% | 0.48% | 21,753 |
| Q4 2025 | $276.0M | $246.8M | $203.6M | $27.5M | $2.4M | 0.87% | 3.65% | 0.54% | 22,352 |
| Q3 2025 | $273.3M | $245.1M | $204.7M | $27.1M | $1.9M | 0.93% | 3.64% | 0.54% | 22,498 |
| Q2 2025 | $254.7M | $226.6M | $201.8M | $26.4M | $1.2M | 0.97% | 3.86% | 0.62% | 22,074 |
| Q1 2025 | $252.0M | $223.8M | $193.6M | $25.7M | $528K | 0.84% | 3.89% | 0.70% | 21,608 |
| Q4 2024 | $249.6M | $217.9M | $189.3M | $30.1M | $2.3M | 0.93% | 3.72% | 0.77% | 21,101 |
| Q3 2024 | $249.5M | $217.2M | $193.7M | $29.3M | $1.5M | 0.80% | 3.67% | 0.54% | 21,164 |
| Q2 2024 | $244.5M | $213.3M | $192.3M | $28.7M | $945K | 0.77% | 3.67% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Lewis Clark Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.51% | 0.69% | 37th | |
Return on equity Annualized net income ÷ equity or net worth | 5.1% | 5.9% | 41th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.66% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.45% |
| 20,615 |
Loan mix (Q1 2026): real estate $23.6M · commercial $2.2M · consumer $141.6M · securities $30.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 85.2% | 78.7% | 72th |
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 | Lewis Clark 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 | Lewis Clark 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 | Lewis Clark 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 | Lewis Clark 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.