| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +12.4% | +3.9% | +8.5 pts |
| Share growth (YoY) | +11.8% | +3.3% | +8.6 pts |
| Loan growth (YoY) | +14.8% | +2.9% | +11.9 pts |
| ROA | 1.52% | 0.69% | +0.8 pts |
| ROE | 12.4% | 5.9% | +6.5 pts |
ROA ranks in the 89th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $179.4M | $156.7M | $119.7M | $22.0M | $681K | 1.52% | 3.73% | 0.56% | 16,889 |
| Q4 2025 | $171.3M | $149.0M | $108.1M | $21.3M | $3.1M | 1.80% | 3.82% | 0.71% | 16,803 |
| Q3 2025 | $165.9M | $144.6M | $110.2M | $20.5M | $2.3M | 1.83% | 3.96% | 0.55% | 16,709 |
| Q2 2025 | $162.5M | $142.2M | $109.5M | $19.6M | $1.4M | 1.73% | 3.95% | 0.68% | 16,576 |
| Q1 2025 | $159.6M | $140.1M | $104.2M | $18.9M | $668K | 1.67% | 3.89% | 0.35% | 16,452 |
| Q4 2024 | $154.6M | $135.6M | $94.6M | $18.2M | $3.0M | 1.92% | 3.89% | 0.68% | 16,233 |
| Q3 2024 | $152.3M | $134.1M | $95.5M | $17.6M | $2.4M | 2.11% | 4.08% | 0.75% | 16,214 |
| Q2 2024 | $150.6M | $133.3M | $96.5M | $16.8M | $1.6M | 2.10% | 3.93% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.52% | 0.69% | 89th | |
Return on equity Annualized net income ÷ equity or net worth | 12.4% | 5.9% | 91th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.73% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.59% |
| 16,161 |
Loan mix (Q1 2026): real estate $28.2M · commercial $9.5M · consumer $77.8M · securities $5.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 59.5% | 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.