| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.7% | +3.9% | +3.8 pts |
| Share growth (YoY) | +6.7% | +3.3% | +3.4 pts |
| Loan growth (YoY) | +14.1% | +2.9% | +11.1 pts |
| ROA | 1.35% | 0.69% | +0.7 pts |
| ROE | 16.1% | 5.9% | +10.2 pts |
ROA ranks in the 85th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $267.5M | $248.2M | $215.1M | $22.4M | $905K | 1.35% | 2.88% | 0.12% | 8,871 |
| Q4 2025 | $262.4M | $243.8M | $206.8M | $21.5M | $2.2M | 0.83% | 2.53% | 0.21% | 8,768 |
| Q3 2025 | $253.7M | $235.7M | $197.2M | $20.9M | $1.5M | 0.81% | 2.52% | 0.26% | 8,705 |
| Q2 2025 | $249.8M | $233.1M | $190.3M | $20.3M | $924K | 0.74% | 2.47% | 0.33% | 8,675 |
| Q1 2025 | $248.3M | $232.5M | $188.6M | $19.7M | $390K | 0.63% | 2.44% | 0.10% | 8,623 |
| Q4 2024 | $243.3M | $228.3M | $185.9M | $19.3M | $1.0M | 0.42% | 2.07% | 0.28% | 8,550 |
| Q3 2024 | $236.6M | $221.4M | $179.7M | $19.0M | $695K | 0.39% | 2.06% | 0.40% | 8,491 |
| Q2 2024 | $237.8M | $224.2M | $174.5M | $18.7M | $424K | 0.36% | 1.97% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.35% | 0.69% | 85th | |
Return on equity Annualized net income ÷ equity or net worth | 16.1% | 5.9% | 98th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.88% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.47% |
| 8,378 |
Loan mix (Q1 2026): real estate $67.1M · commercial $99.3M · consumer $35.4M · securities $29.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 58.7% | 78.7% | 7th |
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.