| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.8% | +3.9% | +2.9 pts |
| Share growth (YoY) | +4.8% | +3.3% | +1.5 pts |
| Loan growth (YoY) | +9.8% | +2.9% | +6.9 pts |
| ROA | 1.83% | 0.69% | +1.1 pts |
| ROE | 13.7% | 5.9% | +7.7 pts |
ROA ranks in the 95th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $270.2M | $235.4M | $136.8M | $36.1M | $1.2M | 1.83% | 3.77% | 0.22% | 14,380 |
| Q4 2025 | $259.2M | $227.5M | $133.9M | $34.9M | $3.2M | 1.23% | 3.27% | 0.25% | 14,376 |
| Q3 2025 | $254.6M | $224.2M | $130.6M | $33.9M | $2.0M | 1.05% | 3.13% | 0.28% | 14,400 |
| Q2 2025 | $252.9M | $224.6M | $126.9M | $32.8M | $904K | 0.72% | 2.80% | 0.25% | 14,450 |
| Q1 2025 | $253.0M | $224.6M | $124.5M | $31.9M | $26K | 0.04% | 1.93% | 0.49% | 14,495 |
| Q4 2024 | $250.9M | $224.5M | $119.0M | $31.9M | $3.7M | 1.46% | 3.44% | 0.62% | 14,529 |
| Q3 2024 | $249.7M | $220.7M | $119.9M | $31.1M | $2.7M | 1.46% | 3.44% | 0.63% | 14,577 |
| Q2 2024 | $263.7M | $218.0M | $119.9M | $30.1M | $1.7M | 1.30% | 3.21% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.83% | 0.69% | 95th | |
Return on equity Annualized net income ÷ equity or net worth | 13.7% | 5.9% | 95th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.77% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.48% |
| 14,601 |
Loan mix (Q1 2026): real estate $68.3M · commercial $40.8M · consumer $25.5M · securities $85.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 55.7% | 78.7% | 5th |
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.