| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.6% | +4.8% | +6.8 pts |
| Share growth (YoY) | +11.2% | +4.3% | +6.9 pts |
| Loan growth (YoY) | +0.4% | +4.3% | -3.9 pts |
| ROA | 2.22% | 0.62% | +1.6 pts |
| ROE | 22.0% | 5.9% | +16.1 pts |
ROA ranks in the 99th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $544.0M | $486.6M | $244.1M | $54.9M | $3.0M | 2.22% | 2.68% | 0.37% | 31,533 |
| Q4 2025 | $523.4M | $468.4M | $241.3M | $51.9M | $5.6M | 1.06% | 2.72% | 0.53% | 31,443 |
| Q3 2025 | $503.0M | $449.9M | $242.2M | $50.6M | $4.2M | 1.12% | 2.81% | 0.48% | 31,699 |
| Q2 2025 | $498.8M | $447.9M | $242.6M | $49.7M | $3.3M | 1.32% | 2.77% | 0.33% | 31,969 |
| Q1 2025 | $487.4M | $437.6M | $243.1M | $48.7M | $2.3M | 1.86% | 2.73% | 0.35% | 31,850 |
| Q4 2024 | $471.3M | $425.6M | $247.6M | $46.4M | $2.2M | 0.46% | 2.70% | 0.75% | 31,782 |
| Q3 2024 | $475.4M | $428.8M | $252.3M | $45.9M | $1.5M | 0.43% | 2.64% | 0.69% | 32,016 |
| Q2 2024 | $466.8M | $424.3M | $254.3M | $45.2M | $814K | 0.35% | 2.66% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.22% | 0.62% | 99th | |
Return on equity Annualized net income ÷ equity or net worth | 22.0% | 5.9% | 99th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.68% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 0.75% |
| 31,854 |
Loan mix (Q1 2026): real estate $186.6M · commercial $0 · consumer $56.1M · securities $182.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 49.4% | 78.3% | 2th |
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.