| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +17.6% | +3.9% | +13.6 pts |
| Share growth (YoY) | +17.9% | +3.3% | +14.6 pts |
| Loan growth (YoY) | +10.4% | +2.9% | +7.5 pts |
| ROA | 1.36% | 0.69% | +0.7 pts |
| ROE | 14.3% | 5.9% | +8.3 pts |
ROA ranks in the 85th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $389.9M | $351.7M | $259.2M | $37.2M | $1.3M | 1.36% | 2.92% | 0.28% | 13,839 |
| Q4 2025 | $347.4M | $310.1M | $255.1M | $35.8M | $5.7M | 1.64% | 3.05% | 0.63% | 13,500 |
| Q3 2025 | $350.5M | $315.6M | $243.9M | $34.3M | $4.2M | 1.58% | 2.90% | 0.27% | 13,314 |
| Q2 2025 | $346.0M | $311.4M | $238.0M | $32.3M | $2.4M | 1.37% | 2.81% | 0.28% | 12,996 |
| Q1 2025 | $331.7M | $298.2M | $234.7M | $31.2M | $1.2M | 1.50% | 2.76% | 0.38% | 12,647 |
| Q4 2024 | $320.0M | $288.2M | $228.3M | $29.9M | $4.8M | 1.49% | 2.64% | 0.27% | 12,413 |
| Q3 2024 | $320.1M | $290.4M | $213.2M | $28.7M | $3.5M | 1.46% | 2.56% | 0.26% | 12,210 |
| Q2 2024 | $293.5M | $265.3M | $206.7M | $27.4M | $2.2M | 1.52% | 2.71% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.36% | 0.69% | 85th | |
Return on equity Annualized net income ÷ equity or net worth | 14.3% | 5.9% | 96th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.92% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.33% |
| 11,833 |
Loan mix (Q1 2026): real estate $70.2M · commercial $55.3M · consumer $118.1M · securities $54.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 58.1% | 78.7% | 6th |
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.