| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +24.6% | +3.9% | +20.7 pts |
| Share growth (YoY) | +23.6% | +3.3% | +20.3 pts |
| Loan growth (YoY) | +27.5% | +2.9% | +24.6 pts |
| ROA | 1.52% | 0.69% | +0.8 pts |
| ROE | 13.6% | 5.9% | +7.7 pts |
ROA ranks in the 89th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $142.8M | $125.1M | $110.2M | $15.9M | $541K | 1.52% | 4.68% | 0.20% | 20,804 |
| Q4 2025 | $138.1M | $120.9M | $107.7M | $15.4M | $1.8M | 1.29% | 4.72% | 0.23% | 17,735 |
| Q3 2025 | $136.4M | $120.0M | $102.9M | $13.7M | $1.4M | 1.36% | 4.67% | 0.17% | 19,585 |
| Q2 2025 | $119.2M | $104.9M | $86.5M | $13.1M | $813K | 1.36% | 4.48% | 0.31% | 16,772 |
| Q1 2025 | $114.6M | $101.2M | $86.4M | $12.6M | $348K | 1.22% | 4.57% | 0.56% | 16,513 |
| Q4 2024 | $110.7M | $97.0M | $85.4M | $12.3M | $1.5M | 1.39% | 4.82% | 0.56% | 16,314 |
| Q3 2024 | $108.9M | $96.5M | $84.8M | $11.8M | $1.3M | 1.63% | 4.74% | 0.35% | 16,147 |
| Q2 2024 | $108.6M | $96.0M | $79.5M | $11.3M | $805K | 1.48% | 4.61% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.52% | 0.69% | 89th | |
Return on equity Annualized net income ÷ equity or net worth | 13.6% | 5.9% | 95th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.68% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.37% |
| 15,794 |
Loan mix (Q1 2026): real estate $38.2M · commercial $686K · consumer $61.9M · securities $7.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.8% | 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.