| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +52.2% | +3.9% | +48.3 pts |
| Share growth (YoY) | +67.6% | +3.3% | +64.3 pts |
| Loan growth (YoY) | +8.3% | +2.9% | +5.4 pts |
| ROA | 0.64% | 0.69% | -0.1 pts |
| ROE | 6.0% | 5.9% | +0.0 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 | $315.3M | $245.7M | $155.6M | $33.9M | $505K | 0.64% | 2.88% | 0.58% | 11,433 |
| Q4 2025 | $303.5M | $232.4M | $158.8M | $33.3M | $2.0M | 0.66% | 3.36% | 0.75% | 11,752 |
| Q3 2025 | $276.4M | $194.9M | $165.1M | $32.8M | $1.5M | 0.73% | 3.68% | 0.63% | 12,168 |
| Q2 2025 | $238.4M | $167.0M | $151.5M | $32.3M | $1.0M | 0.84% | 4.14% | 0.73% | 12,324 |
| Q1 2025 | $207.1M | $146.6M | $143.7M | $31.7M | $377K | 0.73% | 4.61% | 0.67% | 12,534 |
| Q4 2024 | $211.3M | $146.3M | $149.0M | $31.3M | $2.4M | 1.14% | 4.59% | 0.57% | 12,794 |
| Q3 2024 | $217.4M | $150.3M | $151.1M | $30.7M | $1.8M | 1.11% | 4.46% | 0.59% | 13,073 |
| Q2 2024 | $221.1M | $154.3M | $154.1M | $30.1M | $1.2M | 1.09% | 4.42% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.64% | 0.69% | 46th | |
Return on equity Annualized net income ÷ equity or net worth | 6.0% | 5.9% | 50th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.88% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.57% |
| 13,151 |
Loan mix (Q1 2026): real estate $87.9M · commercial $0 · consumer $64.6M · securities $132.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.8% | 78.7% | 24th |
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% |
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