| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.9% | +3.9% | +3.0 pts |
| Share growth (YoY) | +5.6% | +3.3% | +2.3 pts |
| Loan growth (YoY) | +5.6% | +2.9% | +2.7 pts |
| ROA | 1.56% | 0.69% | +0.9 pts |
| ROE | 11.8% | 5.9% | +5.9 pts |
ROA ranks in the 90th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $226.5M | $196.4M | $161.8M | $29.8M | $881K | 1.56% | 3.59% | 0.25% | 17,581 |
| Q4 2025 | $214.1M | $185.1M | $161.4M | $28.9M | $3.8M | 1.78% | 3.79% | 0.50% | 17,590 |
| Q3 2025 | $211.3M | $183.4M | $155.9M | $27.9M | $2.8M | 1.76% | 3.83% | 0.35% | 17,618 |
| Q2 2025 | $211.2M | $184.4M | $154.2M | $26.9M | $1.8M | 1.68% | 3.78% | 0.40% | 17,658 |
| Q1 2025 | $211.8M | $186.0M | $153.3M | $25.9M | $857K | 1.62% | 3.64% | 0.59% | 17,786 |
| Q4 2024 | $201.6M | $177.1M | $153.7M | $25.1M | $3.1M | 1.53% | 3.73% | 0.45% | 20,497 |
| Q3 2024 | $199.6M | $176.4M | $153.1M | $24.3M | $2.3M | 1.53% | 3.75% | 0.29% | 20,355 |
| Q2 2024 | $201.1M | $177.8M | $154.3M | $23.3M | $1.3M | 1.34% | 3.67% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.56% | 0.69% | 90th | |
Return on equity Annualized net income ÷ equity or net worth | 11.8% | 5.9% | 90th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.59% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.35% |
| 20,269 |
Loan mix (Q1 2026): real estate $21.7M · commercial $556K · consumer $134.5M · securities $6.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.9% | 78.7% | 15th |
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.