| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +15.9% | +3.9% | +12.0 pts |
| Share growth (YoY) | +17.6% | +3.3% | +14.3 pts |
| Loan growth (YoY) | +21.8% | +2.9% | +18.9 pts |
| ROA | 0.84% | 0.69% | +0.2 pts |
| ROE | 8.6% | 5.9% | +2.7 pts |
ROA ranks in the 61st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $196.6M | $175.3M | $161.1M | $19.2M | $415K | 0.84% | 3.86% | 0.40% | 12,667 |
| Q4 2025 | $186.7M | $166.0M | $151.1M | $18.8M | $2.1M | 1.10% | 3.83% | 0.45% | 12,288 |
| Q3 2025 | $177.4M | $153.0M | $140.8M | $18.2M | $1.5M | 1.12% | 4.00% | 0.46% | 12,038 |
| Q2 2025 | $175.5M | $152.2M | $136.2M | $17.7M | $915K | 1.04% | 3.94% | 0.53% | 11,970 |
| Q1 2025 | $169.6M | $149.2M | $132.2M | $17.1M | $385K | 0.91% | 3.96% | 0.48% | 11,886 |
| Q4 2024 | $166.7M | $140.9M | $131.4M | $16.7M | $1.2M | 0.72% | 3.74% | 0.62% | 11,788 |
| Q3 2024 | $164.8M | $140.0M | $128.1M | $16.3M | $757K | 0.61% | 3.68% | 0.61% | 11,708 |
| Q2 2024 | $160.8M | $134.2M | $123.0M | $15.9M | $340K | 0.42% | 3.64% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.84% | 0.69% | 61th | |
Return on equity Annualized net income ÷ equity or net worth | 8.6% | 5.9% | 73th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.86% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.61% |
| 11,525 |
Loan mix (Q1 2026): real estate $54.2M · commercial $11.0M · consumer $72.6M · securities $13.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.2% | 78.7% | 35th |
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.