| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +12.8% | +3.9% | +8.9 pts |
| Share growth (YoY) | +12.3% | +3.3% | +9.0 pts |
| Loan growth (YoY) | +4.9% | +2.9% | +1.9 pts |
| ROA | 1.40% | 0.69% | +0.7 pts |
| ROE | 12.5% | 5.9% | +6.5 pts |
ROA ranks in the 87th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $387.8M | $336.1M | $227.8M | $43.6M | $1.4M | 1.40% | 2.27% | 0.07% | 13,713 |
| Q4 2025 | $366.3M | $315.3M | $225.6M | $42.2M | $4.3M | 1.19% | 2.08% | 0.08% | 13,601 |
| Q3 2025 | $359.4M | $306.6M | $224.3M | $41.5M | $3.6M | 1.35% | 2.21% | 0.09% | 13,605 |
| Q2 2025 | $351.2M | $300.0M | $221.0M | $40.2M | $2.3M | 1.33% | 2.21% | 0.12% | 13,588 |
| Q1 2025 | $343.8M | $299.3M | $217.3M | $39.0M | $1.1M | 1.29% | 2.19% | 0.06% | 13,479 |
| Q4 2024 | $327.9M | $280.9M | $215.4M | $37.9M | $3.3M | 1.02% | 1.95% | 0.03% | 13,350 |
| Q3 2024 | $326.7M | $278.1M | $213.0M | $36.9M | $2.4M | 0.97% | 1.91% | 0.05% | 13,298 |
| Q2 2024 | $321.2M | $276.5M | $210.5M | $36.1M | $1.5M | 0.96% | 1.89% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.40% | 0.69% | 87th | |
Return on equity Annualized net income ÷ equity or net worth | 12.5% | 5.9% | 92th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.27% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.06% |
| 13,212 |
Loan mix (Q1 2026): real estate $134.3M · commercial $0 · consumer $74.3M · securities $152.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 46.4% | 78.7% | 1th |
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.