| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.1% | +3.9% | +1.2 pts |
| Share growth (YoY) | +5.2% | +3.3% | +1.9 pts |
| Loan growth (YoY) | +11.0% | +2.9% | +8.1 pts |
| ROA | 0.91% | 0.69% | +0.2 pts |
| ROE | 7.6% | 5.9% | +1.6 pts |
ROA ranks in the 65th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $193.9M | $170.0M | $136.1M | $23.3M | $442K | 0.91% | 2.79% | 0.13% | 6,235 |
| Q4 2025 | $183.7M | $159.3M | $134.4M | $22.9M | $2.1M | 1.14% | 2.99% | 0.54% | 6,172 |
| Q3 2025 | $184.1M | $159.9M | $131.3M | $22.4M | $1.3M | 0.98% | 2.98% | 0.40% | 6,102 |
| Q2 2025 | $183.2M | $160.1M | $129.9M | $22.1M | $1.1M | 1.18% | 2.99% | 0.15% | 6,071 |
| Q1 2025 | $184.5M | $161.5M | $122.6M | $21.6M | $577K | 1.25% | 2.96% | 0.09% | 5,969 |
| Q4 2024 | $180.2M | $158.0M | $121.2M | $20.7M | $2.2M | 1.23% | 2.85% | 0.14% | 5,944 |
| Q3 2024 | $169.4M | $148.3M | $120.8M | $20.2M | $1.7M | 1.32% | 2.99% | 0.23% | 5,934 |
| Q2 2024 | $162.0M | $141.6M | $119.6M | $19.6M | $1.1M | 1.35% | 3.08% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.91% | 0.69% | 65th | |
Return on equity Annualized net income ÷ equity or net worth | 7.6% | 5.9% | 64th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.79% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.08% |
| 5,956 |
Loan mix (Q1 2026): real estate $54.9M · commercial $1.8M · consumer $52.8M · securities $33.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.5% | 78.7% | 25th |
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.