| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +13.0% | +3.9% | +9.1 pts |
| Share growth (YoY) | +16.1% | +3.3% | +12.8 pts |
| Loan growth (YoY) | +13.4% | +2.9% | +10.4 pts |
| ROA | 1.37% | 0.69% | +0.7 pts |
| ROE | 15.2% | 5.9% | +9.3 pts |
ROA ranks in the 86th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $494.0M | $427.3M | $338.7M | $44.5M | $1.7M | 1.37% | 3.12% | 0.26% | 19,114 |
| Q4 2025 | $488.1M | $421.5M | $328.2M | $42.8M | $5.9M | 1.21% | 2.74% | 0.47% | 18,760 |
| Q3 2025 | $470.6M | $405.8M | $317.8M | $41.3M | $4.3M | 1.23% | 2.73% | 0.28% | 18,537 |
| Q2 2025 | $448.6M | $381.1M | $307.0M | $39.9M | $3.0M | 1.33% | 2.76% | 0.31% | 18,200 |
| Q1 2025 | $437.1M | $368.1M | $298.8M | $38.5M | $1.5M | 1.40% | 2.78% | 0.25% | 17,972 |
| Q4 2024 | $422.3M | $356.3M | $289.3M | $36.9M | $4.3M | 1.03% | 2.31% | 0.13% | 18,437 |
| Q3 2024 | $411.8M | $339.7M | $282.3M | $35.9M | $3.3M | 1.07% | 2.29% | 0.43% | 18,083 |
| Q2 2024 | $380.5M | $309.5M | $275.2M | $34.7M | $2.2M | 1.14% | 2.36% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.37% | 0.69% | 86th | |
Return on equity Annualized net income ÷ equity or net worth | 15.2% | 5.9% | 97th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.12% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.59% |
| 17,724 |
Loan mix (Q1 2026): real estate $138.7M · commercial $60.8M · consumer $129.9M · securities $108.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 58.2% | 78.7% | 6th |
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.