| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.8% | +3.9% | +0.9 pts |
| Share growth (YoY) | +2.8% | +3.3% | -0.5 pts |
| Loan growth (YoY) | +13.4% | +2.9% | +10.5 pts |
| ROA | 2.48% | 0.69% | +1.8 pts |
| ROE | 7.6% | 5.9% | +1.6 pts |
ROA ranks in the 99th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $189.8M | $131.6M | $54.5M | $62.1M | $1.2M | 2.48% | 3.42% | 2.07% | 8,961 |
| Q4 2025 | $186.6M | $129.0M | $52.3M | $61.0M | $4.7M | 2.51% | 3.54% | 2.03% | 8,964 |
| Q3 2025 | $187.1M | $130.5M | $50.7M | $60.0M | $3.7M | 2.64% | 3.53% | 2.43% | 8,977 |
| Q2 2025 | $185.1M | $130.5M | $48.4M | $58.7M | $2.4M | 2.64% | 3.54% | 2.53% | 9,016 |
| Q1 2025 | $181.1M | $128.0M | $48.0M | $57.4M | $1.2M | 2.57% | 3.50% | 2.26% | 9,066 |
| Q4 2024 | $178.7M | $127.4M | $47.2M | $56.3M | $5.4M | 2.99% | 3.92% | 2.69% | 9,070 |
| Q3 2024 | $174.9M | $124.0M | $46.1M | $55.0M | $4.0M | 3.08% | 4.04% | 2.16% | 9,089 |
| Q2 2024 | $176.4M | $128.1M | $45.3M | $53.7M | $2.7M | 3.09% | 4.00% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.48% | 0.69% | 99th | |
Return on equity Annualized net income ÷ equity or net worth | 7.6% | 5.9% | 64th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.42% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 3.12% |
| 9,134 |
Loan mix (Q1 2026): real estate $41.0M · commercial $1.6M · consumer $10.0M · securities $110.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 29.3% | 78.7% | 0th |
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.