| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.2% | +3.9% | +7.3 pts |
| Share growth (YoY) | +11.4% | +3.3% | +8.1 pts |
| Loan growth (YoY) | +7.0% | +2.9% | +4.0 pts |
| ROA | 1.40% | 0.69% | +0.7 pts |
| ROE | 10.9% | 5.9% | +5.0 pts |
ROA ranks in the 87th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $462.0M | $417.9M | $293.2M | $59.3M | $1.6M | 1.40% | 3.60% | 0.74% | 36,568 |
| Q4 2025 | $444.2M | $403.9M | $292.5M | $57.7M | $6.3M | 1.43% | 3.50% | 0.77% | 36,457 |
| Q3 2025 | $432.1M | $387.5M | $279.5M | $56.6M | $4.9M | 1.53% | 3.53% | 0.93% | 36,260 |
| Q2 2025 | $423.7M | $381.5M | $276.5M | $53.6M | $1.9M | 0.92% | 3.51% | 0.78% | 36,078 |
| Q1 2025 | $415.4M | $375.0M | $274.2M | $52.6M | $912K | 0.88% | 3.46% | 0.73% | 35,943 |
| Q4 2024 | $395.2M | $353.7M | $276.1M | $51.7M | $5.8M | 1.48% | 3.44% | 0.89% | 35,519 |
| Q3 2024 | $391.9M | $351.6M | $273.1M | $50.3M | $4.1M | 1.38% | 3.42% | 1.17% | 35,595 |
| Q2 2024 | $388.4M | $343.4M | $269.3M | $49.2M | $3.0M | 1.53% | 3.40% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.40% | 0.69% | 87th | |
Return on equity Annualized net income ÷ equity or net worth | 10.9% | 5.9% | 87th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.60% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 1.11% |
| 35,388 |
Loan mix (Q1 2026): real estate $30.4M · commercial $34.5M · consumer $201.3M · securities $109.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.9% | 78.7% | 28th |
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.