| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.3% | +3.9% | +2.4 pts |
| Share growth (YoY) | +6.1% | +3.3% | +2.8 pts |
| Loan growth (YoY) | +3.9% | +2.9% | +1.0 pts |
| ROA | 0.79% | 0.69% | +0.1 pts |
| ROE | 7.3% | 5.9% | +1.4 pts |
ROA ranks in the 57th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $226.6M | $200.9M | $138.0M | $24.5M | $447K | 0.79% | 3.85% | 1.58% | 14,196 |
| Q4 2025 | $221.8M | $196.4M | $139.6M | $24.0M | $2.5M | 1.11% | 3.91% | 2.24% | 14,231 |
| Q3 2025 | $220.5M | $195.8M | $138.5M | $23.5M | $1.9M | 1.15% | 3.88% | 2.21% | 14,251 |
| Q2 2025 | $219.4M | $194.7M | $136.6M | $22.9M | $1.3M | 1.17% | 3.86% | 1.34% | 14,178 |
| Q1 2025 | $213.2M | $189.4M | $132.8M | $22.1M | $545K | 1.02% | 3.82% | 1.53% | 14,184 |
| Q4 2024 | $200.6M | $177.9M | $130.5M | $21.6M | $2.6M | 1.30% | 4.22% | 1.36% | 14,141 |
| Q3 2024 | $196.6M | $173.9M | $130.2M | $21.1M | $2.1M | 1.44% | 4.28% | 1.38% | 14,094 |
| Q2 2024 | $186.1M | $164.4M | $126.3M | $20.4M | $1.4M | 1.46% | 4.47% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.79% | 0.69% | 57th | |
Return on equity Annualized net income ÷ equity or net worth | 7.3% | 5.9% | 61th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.85% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 1.15% |
| 14,042 |
Loan mix (Q1 2026): real estate $83.7M · commercial $6.5M · consumer $36.7M · securities $24.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.3% | 78.7% | 42th |
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.