| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +12.6% | +4.8% | +7.9 pts |
| Share growth (YoY) | +13.5% | +4.3% | +9.2 pts |
| Loan growth (YoY) | +14.6% | +4.3% | +10.3 pts |
| ROA | 0.98% | 0.62% | +0.4 pts |
| ROE | 10.8% | 5.9% | +4.9 pts |
ROA ranks in the 72nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $521.0M | $437.0M | $474.8M | $47.1M | $1.3M | 0.98% | 3.59% | 0.50% | 47,000 |
| Q4 2025 | $511.2M | $427.5M | $464.9M | $45.8M | $3.6M | 0.70% | 3.43% | 0.52% | 46,661 |
| Q3 2025 | $501.1M | $417.2M | $455.3M | $45.1M | $2.4M | 0.64% | 3.41% | 0.50% | 46,606 |
| Q2 2025 | $494.7M | $412.7M | $439.5M | $43.9M | $1.2M | 0.49% | 3.31% | 0.45% | 46,350 |
| Q1 2025 | $462.6M | $385.1M | $414.3M | $43.1M | $466K | 0.40% | 3.40% | 0.47% | 45,787 |
| Q4 2024 | $455.1M | $379.6M | $414.3M | $42.7M | $1.3M | 0.30% | 3.20% | 0.52% | 45,830 |
| Q3 2024 | $451.5M | $371.9M | $399.7M | $42.6M | $744K | 0.22% | 3.16% | 0.53% | 45,653 |
| Q2 2024 | $442.0M | $362.9M | $395.7M | $42.1M | $292K | 0.13% | 3.14% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.98% | 0.62% | 72th | |
Return on equity Annualized net income ÷ equity or net worth | 10.8% | 5.9% | 85th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.59% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 0.41% |
| 45,481 |
Loan mix (Q1 2026): real estate $68.3M · commercial $11.4M · consumer $355.1M · securities $5.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 68.4% | 78.3% | 18th |
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.