| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.4% | +3.9% | +1.5 pts |
| Share growth (YoY) | +5.0% | +3.3% | +1.8 pts |
| Loan growth (YoY) | +15.6% | +2.9% | +12.7 pts |
| ROA | 0.00% | 0.69% | -0.7 pts |
| ROE | 0.0% | 5.9% | -5.9 pts |
ROA ranks in the 8th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $307.5M | $275.2M | $208.8M | $29.0M | $2K | 0.00% | 3.42% | 0.94% | 17,626 |
| Q4 2025 | $297.0M | $264.9M | $205.4M | $29.0M | $2.4M | 0.82% | 3.35% | 0.79% | 17,629 |
| Q3 2025 | $292.5M | $262.4M | $199.9M | $28.2M | $1.5M | 0.70% | 3.33% | 0.53% | 17,749 |
| Q2 2025 | $291.0M | $260.4M | $188.0M | $27.5M | $839K | 0.58% | 3.23% | 0.67% | 17,664 |
| Q1 2025 | $291.7M | $262.0M | $180.6M | $27.1M | $445K | 0.61% | 3.09% | 0.61% | 17,653 |
| Q4 2024 | $271.1M | $243.0M | $174.6M | $26.7M | $1.8M | 0.65% | 3.18% | 0.63% | 17,545 |
| Q3 2024 | $258.9M | $229.6M | $169.9M | $26.4M | $1.4M | 0.74% | 3.38% | 0.51% | 17,491 |
| Q2 2024 | $264.8M | $237.9M | $167.5M | $25.9M | $901K | 0.68% | 3.25% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.00% | 0.69% | 8th | |
Return on equity Annualized net income ÷ equity or net worth | 0.0% | 5.9% | 8th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.42% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.63% |
| 17,359 |
Loan mix (Q1 2026): real estate $100.4M · commercial $9.6M · consumer $85.9M · securities $40.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 85.3% | 78.7% | 73th |
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.