| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.8% | +3.9% | +7.9 pts |
| Share growth (YoY) | +10.3% | +3.3% | +7.0 pts |
| Loan growth (YoY) | +5.5% | +2.9% | +2.6 pts |
| ROA | 1.64% | 0.69% | +0.9 pts |
| ROE | 13.6% | 5.9% | +7.6 pts |
ROA ranks in the 92nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $149.4M | $134.0M | $86.8M | $18.0M | $612K | 1.64% | 3.26% | 0.10% | 10,175 |
| Q4 2025 | $145.2M | $130.4M | $85.5M | $17.4M | $2.0M | 1.39% | 3.17% | 0.12% | 10,106 |
| Q3 2025 | $139.1M | $125.0M | $84.4M | $17.0M | $1.6M | 1.55% | 3.23% | 0.05% | 10,065 |
| Q2 2025 | $135.7M | $122.8M | $83.2M | $16.4M | $1.0M | 1.50% | 3.21% | 0.01% | 9,996 |
| Q1 2025 | $133.6M | $121.4M | $82.3M | $15.9M | $470K | 1.41% | 3.17% | 0.07% | 9,954 |
| Q4 2024 | $129.2M | $117.9M | $78.9M | $15.4M | $1.8M | 1.35% | 3.08% | 0.02% | 9,826 |
| Q3 2024 | $126.2M | $114.8M | $76.8M | $15.1M | $1.3M | 1.41% | 3.11% | 0.22% | 9,807 |
| Q2 2024 | $124.6M | $114.4M | $73.6M | $14.6M | $850K | 1.36% | 3.09% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.64% | 0.69% | 92th | |
Return on equity Annualized net income ÷ equity or net worth | 13.6% | 5.9% | 94th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.26% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.16% |
| 9,793 |
Loan mix (Q1 2026): real estate $17.9M · commercial $11.2M · consumer $53.9M · securities $47.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 58.3% | 78.7% | 6th |
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.