| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +12.3% | +3.9% | +8.4 pts |
| Share growth (YoY) | +10.8% | +3.3% | +7.5 pts |
| Loan growth (YoY) | +4.7% | +2.9% | +1.7 pts |
| ROA | 1.45% | 0.69% | +0.8 pts |
| ROE | 6.4% | 5.9% | +0.4 pts |
ROA ranks in the 88th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $188.1M | $144.7M | $117.5M | $42.8M | $681K | 1.45% | 5.21% | 0.52% | 21,084 |
| Q4 2025 | $178.5M | $134.8M | $119.8M | $39.0M | $5.8M | 3.26% | 5.57% | 0.61% | 21,178 |
| Q3 2025 | $173.9M | $134.1M | $122.4M | $36.9M | $3.8M | 2.90% | 5.58% | 0.67% | 21,438 |
| Q2 2025 | $174.1M | $133.9M | $120.9M | $36.0M | $2.7M | 3.15% | 5.62% | 0.61% | 26,100 |
| Q1 2025 | $167.6M | $130.6M | $112.3M | $35.1M | $565K | 1.35% | 5.60% | 0.58% | 20,172 |
| Q4 2024 | $158.8M | $122.0M | $103.9M | $34.6M | $3.3M | 2.09% | 5.88% | 0.62% | 20,088 |
| Q3 2024 | $156.2M | $122.9M | $102.8M | $34.3M | $2.3M | 2.00% | 5.93% | 0.80% | 19,653 |
| Q2 2024 | $156.6M | $124.9M | $102.7M | $33.3M | $1.4M | 1.75% | 5.85% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.45% | 0.69% | 88th | |
Return on equity Annualized net income ÷ equity or net worth | 6.4% | 5.9% | 55th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.21% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.66% |
| 19,727 |
Loan mix (Q1 2026): real estate $10.8M · commercial $0 · consumer $103.9M · securities $9.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.2% | 78.7% | 31th |
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.