| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +21.7% | +3.9% | +17.8 pts |
| Share growth (YoY) | +22.0% | +3.3% | +18.7 pts |
| Loan growth (YoY) | +7.4% | +2.9% | +4.4 pts |
| ROA | 0.98% | 0.69% | +0.3 pts |
| ROE | 9.1% | 5.9% | +3.2 pts |
ROA ranks in the 69th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $201.9M | $179.4M | $90.7M | $21.7M | $494K | 0.98% | 3.18% | 0.97% | 11,833 |
| Q4 2025 | $196.2M | $174.0M | $90.8M | $21.2M | $1.8M | 0.92% | 3.08% | 1.00% | 11,720 |
| Q3 2025 | $191.5M | $170.0M | $92.8M | $20.7M | $1.3M | 0.93% | 3.09% | 0.94% | 11,652 |
| Q2 2025 | $188.9M | $167.4M | $90.5M | $20.3M | $955K | 1.01% | 3.09% | 0.69% | 10,609 |
| Q1 2025 | $166.0M | $147.0M | $84.5M | $18.2M | $429K | 1.03% | 3.21% | 0.37% | 10,505 |
| Q4 2024 | $159.2M | $140.5M | $85.5M | $17.7M | $1.8M | 1.10% | 3.12% | 0.54% | 10,481 |
| Q3 2024 | $154.9M | $137.0M | $84.6M | $17.2M | $1.2M | 1.01% | 3.06% | 0.65% | 10,555 |
| Q2 2024 | $152.8M | $134.9M | $83.8M | $16.8M | $820K | 1.07% | 3.11% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.98% | 0.69% | 69th | |
Return on equity Annualized net income ÷ equity or net worth | 9.1% | 5.9% | 76th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.18% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.59% |
| 10,383 |
Loan mix (Q1 2026): real estate $66.6M · commercial $0 · consumer $21.9M · securities $93.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.0% | 78.7% | 31th |
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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