| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.9% | +3.9% | +4.0 pts |
| Share growth (YoY) | +7.3% | +3.3% | +4.0 pts |
| Loan growth (YoY) | +6.9% | +2.9% | +3.9 pts |
| ROA | 1.35% | 0.69% | +0.7 pts |
| ROE | 10.4% | 5.9% | +4.5 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 | $188.2M | $162.6M | $124.4M | $24.4M | $636K | 1.35% | 3.03% | 1.88% | 7,404 |
| Q4 2025 | $182.6M | $157.7M | $124.3M | $23.7M | $2.2M | 1.20% | 2.85% | 2.17% | 7,384 |
| Q3 2025 | $176.1M | $151.9M | $124.4M | $23.1M | $1.5M | 1.17% | 2.86% | 1.91% | 7,353 |
| Q2 2025 | $176.4M | $152.6M | $119.6M | $22.5M | $964K | 1.09% | 2.76% | 1.60% | 7,310 |
| Q1 2025 | $174.3M | $151.5M | $116.4M | $21.9M | $387K | 0.89% | 2.65% | 0.78% | 7,285 |
| Q4 2024 | $172.1M | $149.7M | $114.7M | $21.6M | $2.1M | 1.21% | 2.94% | 0.98% | 7,258 |
| Q3 2024 | $166.4M | $144.6M | $114.1M | $21.1M | $1.6M | 1.31% | 3.10% | 1.02% | 7,153 |
| Q2 2024 | $166.3M | $145.0M | $109.5M | $20.7M | $1.2M | 1.43% | 3.17% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.35% | 0.69% | 85th | |
Return on equity Annualized net income ÷ equity or net worth | 10.4% | 5.9% | 85th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.03% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.54% |
| 7,062 |
Loan mix (Q1 2026): real estate $103.3M · commercial $10.3M · consumer $10.3M · securities $50.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 59.7% | 78.7% | 8th |
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.