| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.3% | +3.9% | +2.4 pts |
| Share growth (YoY) | +6.3% | +3.3% | +3.0 pts |
| Loan growth (YoY) | +15.9% | +2.9% | +13.0 pts |
| ROA | 0.62% | 0.69% | -0.1 pts |
| ROE | 7.1% | 5.9% | +1.2 pts |
ROA ranks in the 44th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $285.7M | $260.0M | $129.9M | $24.9M | $444K | 0.62% | 2.86% | 0.18% | 19,179 |
| Q4 2025 | $282.3M | $256.7M | $125.7M | $24.4M | $1.9M | 0.67% | 2.59% | 0.11% | 18,928 |
| Q3 2025 | $278.2M | $253.0M | $122.2M | $24.1M | $1.5M | 0.71% | 2.55% | 0.27% | 18,762 |
| Q2 2025 | $272.5M | $247.9M | $115.1M | $23.6M | $959K | 0.70% | 2.50% | 0.12% | 18,586 |
| Q1 2025 | $268.8M | $244.5M | $112.0M | $23.2M | $562K | 0.84% | 2.42% | 0.15% | 18,475 |
| Q4 2024 | $256.2M | $232.5M | $112.0M | $22.6M | $1.1M | 0.44% | 2.27% | 0.21% | 18,362 |
| Q3 2024 | $252.9M | $229.3M | $111.2M | $22.5M | $900K | 0.47% | 2.25% | 0.21% | 18,254 |
| Q2 2024 | $250.5M | $227.4M | $110.2M | $22.1M | $478K | 0.38% | 2.19% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.62% | 0.69% | 44th | |
Return on equity Annualized net income ÷ equity or net worth | 7.1% | 5.9% | 60th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.86% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.12% |
| 18,214 |
Loan mix (Q1 2026): real estate $58.8M · commercial $2.4M · consumer $61.7M · securities $104.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.8% | 78.7% | 54th |
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% |
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