| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +18.9% | +3.9% | +15.0 pts |
| Share growth (YoY) | +19.1% | +3.3% | +15.8 pts |
| Loan growth (YoY) | +9.3% | +2.9% | +6.4 pts |
| ROA | 1.77% | 0.69% | +1.1 pts |
| ROE | 15.2% | 5.9% | +9.2 pts |
ROA ranks in the 94th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $161.6M | $142.2M | $114.8M | $18.8M | $714K | 1.77% | 3.63% | 1.06% | 6,920 |
| Q4 2025 | $147.4M | $128.8M | $114.6M | $18.1M | $2.8M | 1.92% | 3.72% | 1.59% | 6,851 |
| Q3 2025 | $142.6M | $124.7M | $110.7M | $17.4M | $2.1M | 1.99% | 3.76% | 1.78% | 6,751 |
| Q2 2025 | $138.9M | $121.6M | $107.0M | $16.6M | $1.3M | 1.93% | 3.75% | 1.10% | 6,674 |
| Q1 2025 | $136.0M | $119.4M | $105.0M | $15.9M | $623K | 1.83% | 3.64% | 0.96% | 6,607 |
| Q4 2024 | $131.3M | $115.4M | $103.2M | $15.3M | $1.9M | 1.42% | 3.34% | 0.81% | 6,565 |
| Q3 2024 | $127.5M | $112.0M | $98.7M | $14.8M | $1.3M | 1.41% | 3.31% | 0.42% | 6,517 |
| Q2 2024 | $125.1M | $109.7M | $95.1M | $14.2M | $824K | 1.32% | 3.27% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.77% | 0.69% | 94th | |
Return on equity Annualized net income ÷ equity or net worth | 15.2% | 5.9% | 97th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.63% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.34% |
| 6,472 |
Loan mix (Q1 2026): real estate $50.8M · commercial $4.7M · consumer $48.8M · securities $26.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 51.5% | 78.7% | 3th |
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.