| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.0% | +3.9% | +3.0 pts |
| Share growth (YoY) | +5.2% | +3.3% | +1.9 pts |
| Loan growth (YoY) | +0.2% | +2.9% | -2.7 pts |
| ROA | 2.17% | 0.69% | +1.5 pts |
| ROE | 11.3% | 5.9% | +5.3 pts |
ROA ranks in the 98th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $172.9M | $139.0M | $78.5M | $33.3M | $937K | 2.17% | 4.16% | 0.05% | 17,905 |
| Q4 2025 | $167.8M | $134.9M | $80.5M | $32.3M | $4.3M | 2.58% | 4.36% | 0.11% | 17,975 |
| Q3 2025 | $162.9M | $130.9M | $80.5M | $31.4M | $3.3M | 2.71% | 4.43% | 0.14% | 18,035 |
| Q2 2025 | $163.3M | $132.4M | $79.8M | $30.3M | $2.2M | 2.73% | 4.36% | 0.30% | 18,122 |
| Q1 2025 | $161.6M | $132.1M | $78.3M | $29.0M | $953K | 2.36% | 4.27% | 0.15% | 18,247 |
| Q4 2024 | $156.8M | $128.3M | $78.5M | $28.1M | $3.7M | 2.36% | 4.34% | 0.50% | 18,335 |
| Q3 2024 | $154.1M | $126.6M | $80.4M | $27.1M | $2.7M | 2.35% | 4.32% | 0.16% | 18,445 |
| Q2 2024 | $157.1M | $130.7M | $80.4M | $26.1M | $1.6M | 2.08% | 4.15% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.17% | 0.69% | 98th | |
Return on equity Annualized net income ÷ equity or net worth | 11.3% | 5.9% | 88th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.16% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.13% |
| 18,473 |
Loan mix (Q1 2026): real estate $21.7M · commercial $0 · consumer $53.4M · securities $74.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 53.7% | 78.7% | 4th |
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.