| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +52.7% | +3.9% | +48.8 pts |
| Share growth (YoY) | +49.6% | +3.3% | +46.3 pts |
| Loan growth (YoY) | +18.5% | +2.9% | +15.6 pts |
| ROA | 0.72% | 0.69% | +0.0 pts |
| ROE | 7.5% | 5.9% | +1.5 pts |
ROA ranks in the 52nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $133.3M | $120.0M | $57.8M | $12.8M | $239K | 0.72% | 3.75% | 0.89% | 13,043 |
| Q4 2025 | $129.2M | $114.8M | $58.2M | $12.6M | $1.4M | 1.05% | 3.71% | 0.90% | 13,083 |
| Q3 2025 | $128.3M | $114.2M | $58.1M | $12.2M | $968K | 1.01% | 3.69% | 0.85% | 13,089 |
| Q2 2025 | $128.5M | $116.6M | $58.5M | $11.6M | $382K | 0.59% | 3.49% | 0.69% | 12,934 |
| Q1 2025 | $87.3M | $80.2M | $48.8M | $6.6M | $110K | 0.50% | 3.51% | 0.58% | 9,570 |
| Q4 2024 | $84.4M | $77.0M | $50.1M | $6.5M | $340K | 0.40% | 3.34% | 0.70% | 9,636 |
| Q3 2024 | $81.2M | $74.7M | $49.8M | $6.4M | $258K | 0.42% | 3.42% | 0.30% | 9,690 |
| Q2 2024 | $85.3M | $78.8M | $49.0M | $6.3M | $110K | 0.26% | 3.20% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.72% | 0.69% | 52th | |
Return on equity Annualized net income ÷ equity or net worth | 7.5% | 5.9% | 62th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.75% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.40% |
| 9,658 |
Loan mix (Q1 2026): real estate $19.1M · commercial $2.8M · consumer $28.3M · securities $51.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 85.0% | 78.7% | 72th |
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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