| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.5% | +3.9% | +1.6 pts |
| Share growth (YoY) | +3.4% | +3.3% | +0.1 pts |
| Loan growth (YoY) | +6.5% | +2.9% | +3.6 pts |
| ROA | 0.65% | 0.69% | -0.0 pts |
| ROE | 7.8% | 5.9% | +1.8 pts |
ROA ranks in the 46th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $425.8M | $384.1M | $288.9M | $35.4M | $688K | 0.65% | 3.21% | 0.62% | 23,216 |
| Q4 2025 | $422.1M | $374.9M | $288.4M | $34.7M | $2.2M | 0.52% | 3.08% | 0.73% | 23,228 |
| Q3 2025 | $411.3M | $370.9M | $278.7M | $33.8M | $1.3M | 0.42% | 3.10% | 0.90% | 23,218 |
| Q2 2025 | $410.7M | $370.6M | $275.7M | $33.2M | $732K | 0.36% | 3.04% | 0.85% | 23,296 |
| Q1 2025 | $403.7M | $371.6M | $271.2M | $32.9M | $388K | 0.38% | 3.01% | 1.02% | 24,157 |
| Q4 2024 | $408.8M | $371.4M | $273.7M | $32.7M | $1.0M | 0.25% | 2.71% | 1.07% | 23,969 |
| Q3 2024 | $404.8M | $372.9M | $264.7M | $32.3M | $583K | 0.19% | 2.68% | 1.24% | 23,367 |
| Q2 2024 | $405.7M | $374.1M | $263.6M | $32.3M | $549K | 0.27% | 2.60% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.65% | 0.69% | 46th | |
Return on equity Annualized net income ÷ equity or net worth | 7.8% | 5.9% | 66th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.21% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 1.01% |
| 23,762 |
Loan mix (Q1 2026): real estate $132.3M · commercial $71.2M · consumer $72.4M · securities $86.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.1% | 78.7% | 56th |
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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