| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.6% | +3.9% | +3.7 pts |
| Share growth (YoY) | +6.8% | +3.3% | +3.5 pts |
| Loan growth (YoY) | +9.5% | +2.9% | +6.5 pts |
| ROA | 0.99% | 0.69% | +0.3 pts |
| ROE | 7.4% | 5.9% | +1.4 pts |
ROA ranks in the 70th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $222.6M | $189.0M | $172.9M | $30.0M | $551K | 0.99% | 4.44% | 0.90% | 13,846 |
| Q4 2025 | $218.8M | $185.6M | $174.6M | $29.4M | $2.9M | 1.33% | 4.49% | 0.91% | 13,709 |
| Q3 2025 | $220.7M | $188.7M | $172.1M | $28.7M | $2.1M | 1.24% | 4.36% | 0.52% | 13,912 |
| Q2 2025 | $210.4M | $180.3M | $167.3M | $27.7M | $1.3M | 1.24% | 4.45% | 0.67% | 13,786 |
| Q1 2025 | $206.8M | $177.0M | $158.0M | $27.0M | $594K | 1.15% | 4.38% | 0.74% | 13,581 |
| Q4 2024 | $205.9M | $177.4M | $156.9M | $26.4M | $2.5M | 1.23% | 4.31% | 0.76% | 13,436 |
| Q3 2024 | $202.5M | $174.1M | $156.4M | $25.9M | $1.8M | 1.21% | 4.30% | 0.61% | 13,519 |
| Q2 2024 | $197.0M | $168.1M | $154.0M | $25.5M | $1.2M | 1.23% | 4.33% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.99% | 0.69% | 70th | |
Return on equity Annualized net income ÷ equity or net worth | 7.4% | 5.9% | 61th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.44% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.86% |
| 13,348 |
Loan mix (Q1 2026): real estate $34.5M · commercial $0 · consumer $73.4M · securities $13.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.7% | 78.7% | 40th |
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.