| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +15.0% | +3.9% | +11.1 pts |
| Share growth (YoY) | +16.3% | +3.3% | +13.0 pts |
| Loan growth (YoY) | +8.4% | +2.9% | +5.5 pts |
| ROA | 0.35% | 0.69% | -0.3 pts |
| ROE | 4.1% | 5.9% | -1.8 pts |
ROA ranks in the 26th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $242.1M | $220.6M | $153.8M | $20.4M | $211K | 0.35% | 3.69% | 1.07% | 16,927 |
| Q4 2025 | $232.3M | $211.2M | $152.1M | $20.4M | $1.7M | 0.72% | 3.72% | 1.06% | 16,800 |
| Q3 2025 | $213.4M | $193.5M | $148.2M | $19.8M | $1.1M | 0.71% | 4.01% | 0.84% | 16,817 |
| Q2 2025 | $217.0M | $196.7M | $147.0M | $19.4M | $708K | 0.65% | 3.92% | 1.24% | 16,611 |
| Q1 2025 | $210.5M | $189.7M | $141.9M | $19.0M | $316K | 0.60% | 3.96% | 0.68% | 16,483 |
| Q4 2024 | $201.9M | $182.3M | $138.7M | $18.9M | $1.6M | 0.81% | 4.28% | 0.89% | 16,358 |
| Q3 2024 | $194.9M | $175.6M | $135.6M | $18.3M | $1.1M | 0.73% | 4.33% | 1.00% | 16,280 |
| Q2 2024 | $192.5M | $172.1M | $134.1M | $17.8M | $601K | 0.62% | 4.30% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.35% | 0.69% | 26th | |
Return on equity Annualized net income ÷ equity or net worth | 4.1% | 5.9% | 34th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.69% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.98% |
| 16,132 |
Loan mix (Q1 2026): real estate $73.3M · commercial $18.3M · consumer $45.1M · securities $34.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 91.4% | 78.7% | 88th |
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.