| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.7% | +3.9% | +7.8 pts |
| Share growth (YoY) | +11.6% | +3.3% | +8.3 pts |
| Loan growth (YoY) | +13.6% | +2.9% | +10.6 pts |
| ROA | 0.65% | 0.69% | -0.0 pts |
| ROE | 6.2% | 5.9% | +0.3 pts |
ROA ranks in the 46th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $296.2M | $261.7M | $209.6M | $30.6M | $478K | 0.65% | 3.48% | 0.34% | 23,513 |
| Q4 2025 | $279.7M | $247.0M | $205.7M | $30.2M | $3.4M | 1.22% | 3.47% | 0.20% | 23,292 |
| Q3 2025 | $275.5M | $243.6M | $197.6M | $29.8M | $3.0M | 1.48% | 3.44% | 0.16% | 23,112 |
| Q2 2025 | $273.4M | $240.3M | $191.9M | $27.5M | $720K | 0.53% | 3.37% | 0.20% | 22,854 |
| Q1 2025 | $265.1M | $234.5M | $184.6M | $26.9M | $339K | 0.51% | 3.36% | 0.09% | 22,514 |
| Q4 2024 | $264.2M | $220.9M | $181.3M | $26.5M | $1.1M | 0.43% | 2.96% | 0.27% | 22,302 |
| Q3 2024 | $268.6M | $218.6M | $179.7M | $26.2M | $765K | 0.38% | 2.82% | 0.18% | 22,369 |
| Q2 2024 | $268.1M | $221.9M | $176.4M | $25.9M | $444K | 0.33% | 2.75% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.65% | 0.69% | 46th | |
Return on equity Annualized net income ÷ equity or net worth | 6.2% | 5.9% | 53th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.48% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.22% |
| 22,493 |
Loan mix (Q1 2026): real estate $91.7M · commercial $0 · consumer $87.1M · securities $31.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.3% | 78.7% | 67th |
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.