| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.7% | +3.9% | +2.8 pts |
| Share growth (YoY) | +9.2% | +3.3% | +5.9 pts |
| Loan growth (YoY) | +8.4% | +2.9% | +5.5 pts |
| ROA | 6.55% | 0.69% | +5.9 pts |
| ROE | 29.3% | 5.9% | +23.4 pts |
ROA ranks in the 100th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $115.8M | $88.7M | $58.2M | $25.8M | $1.9M | 6.55% | 4.77% | 2.30% | 9,446 |
| Q4 2025 | $111.6M | $84.6M | $58.1M | $23.9M | $1.5M | 1.36% | 4.65% | 1.93% | 9,316 |
| Q3 2025 | $110.0M | $82.4M | $56.8M | $24.3M | $1.7M | 2.07% | 4.60% | 1.76% | 9,206 |
| Q2 2025 | $107.4M | $80.3M | $54.5M | $24.4M | $1.8M | 3.44% | 4.61% | 2.10% | 9,250 |
| Q1 2025 | $108.5M | $81.2M | $53.7M | $24.6M | $2.0M | 7.49% | 4.40% | 1.48% | 9,231 |
| Q4 2024 | $103.1M | $78.5M | $53.5M | $22.6M | $938K | 0.91% | 4.53% | 2.58% | 9,230 |
| Q3 2024 | $98.4M | $75.5M | $52.7M | $22.4M | $642K | 0.87% | 4.69% | 2.09% | 9,326 |
| Q2 2024 | $97.5M | $76.1M | $51.4M | $22.0M | $341K | 0.70% | 4.62% | 2.95% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 6.55% | 0.69% | 100th | |
Return on equity Annualized net income ÷ equity or net worth | 29.3% | 5.9% | 100th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.77% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 9,172 |
Loan mix (Q1 2026): real estate $23.9M · commercial $492K · consumer $30.8M · securities $25.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 48.8% | 78.7% | 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% |
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