| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +59.6% | +3.9% | +55.7 pts |
| Share growth (YoY) | +58.7% | +3.3% | +55.4 pts |
| Loan growth (YoY) | +65.1% | +2.9% | +62.2 pts |
| ROA | 0.72% | 0.69% | +0.0 pts |
| ROE | 6.8% | 5.9% | +0.9 pts |
ROA ranks in the 52nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $136.9M | $122.4M | $83.5M | $14.4M | $245K | 0.72% | 3.91% | 0.59% | 12,558 |
| Q4 2025 | $132.2M | $118.0M | $85.6M | $14.1M | $1.1M | 0.81% | 3.41% | 0.82% | 12,581 |
| Q3 2025 | $127.8M | $113.9M | $85.2M | $14.0M | $722K | 0.75% | 3.25% | 0.56% | 12,590 |
| Q2 2025 | $85.8M | $76.8M | $57.3M | $7.9M | $320K | 0.75% | 3.97% | 0.52% | 8,453 |
| Q1 2025 | $85.8M | $77.1M | $50.6M | $7.7M | $120K | 0.56% | 3.84% | 0.70% | 8,310 |
| Q4 2024 | $82.1M | $74.0M | $48.1M | $7.6M | $666K | 0.81% | 4.17% | 0.73% | 8,242 |
| Q3 2024 | $81.5M | $73.4M | $51.3M | $7.6M | $488K | 0.80% | 4.20% | 1.01% | 8,363 |
| Q2 2024 | $83.1M | $75.0M | $54.4M | $7.5M | $318K | 0.77% | 4.09% | 0.69% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.72% | 0.69% | 52th | |
Return on equity Annualized net income ÷ equity or net worth | 6.8% | 5.9% | 58th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.91% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 8,514 |
Loan mix (Q1 2026): real estate $16.2M · commercial $0 · consumer $65.9M · securities $9.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.9% | 78.7% | 51th |
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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