| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.0% | +3.9% | +7.1 pts |
| Share growth (YoY) | +11.8% | +3.3% | +8.6 pts |
| Loan growth (YoY) | +10.5% | +2.9% | +7.6 pts |
| ROA | 0.84% | 0.69% | +0.1 pts |
| ROE | 8.0% | 5.9% | +2.0 pts |
ROA ranks in the 60th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $126.8M | $111.9M | $98.8M | $13.3M | $266K | 0.84% | 5.00% | 1.50% | 6,869 |
| Q4 2025 | $119.9M | $105.1M | $98.1M | $13.1M | $756K | 0.63% | 4.89% | 1.87% | 6,879 |
| Q3 2025 | $117.3M | $102.5M | $95.2M | $13.0M | $601K | 0.68% | 4.92% | 1.62% | 6,825 |
| Q2 2025 | $116.9M | $102.2M | $92.1M | $12.8M | $431K | 0.74% | 4.85% | 1.60% | 6,825 |
| Q1 2025 | $114.2M | $100.1M | $89.4M | $12.4M | $68K | 0.24% | 4.77% | 1.33% | 6,780 |
| Q4 2024 | $108.5M | $94.9M | $90.6M | $12.4M | $1.2M | 1.12% | 5.00% | 1.50% | 6,772 |
| Q3 2024 | $105.3M | $92.0M | $91.6M | $12.1M | $918K | 1.16% | 5.09% | 1.24% | 6,715 |
| Q2 2024 | $104.1M | $90.8M | $88.8M | $11.8M | $611K | 1.17% | 5.03% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.84% | 0.69% | 60th | |
Return on equity Annualized net income ÷ equity or net worth | 8.0% | 5.9% | 68th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.00% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.92% |
| 6,621 |
Loan mix (Q1 2026): real estate $50.4M · commercial $1.4M · consumer $40.3M · securities $4.1M
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.