| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.9% | +3.9% | +3.0 pts |
| Share growth (YoY) | +2.2% | +3.3% | -1.1 pts |
| Loan growth (YoY) | +8.7% | +2.9% | +5.8 pts |
| ROA | 1.55% | 0.69% | +0.9 pts |
| ROE | 12.9% | 5.9% | +6.9 pts |
ROA ranks in the 90th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $164.0M | $139.8M | $128.8M | $19.7M | $635K | 1.55% | 3.75% | 1.16% | 9,049 |
| Q4 2025 | $156.7M | $138.0M | $121.1M | $19.1M | $2.3M | 1.47% | 3.68% | 1.40% | 9,074 |
| Q3 2025 | $157.1M | $138.8M | $121.2M | $18.5M | $1.7M | 1.43% | 3.63% | 1.24% | 9,151 |
| Q2 2025 | $156.0M | $138.5M | $121.1M | $18.0M | $1.1M | 1.45% | 3.58% | 1.29% | 9,150 |
| Q1 2025 | $153.4M | $136.7M | $118.5M | $17.4M | $559K | 1.46% | 3.56% | 0.13% | 9,111 |
| Q4 2024 | $150.0M | $134.2M | $113.1M | $16.9M | $1.9M | 1.26% | 3.20% | 0.22% | 9,009 |
| Q3 2024 | $145.7M | $129.8M | $111.7M | $16.4M | $1.3M | 1.23% | 3.20% | 0.16% | 8,990 |
| Q2 2024 | $144.0M | $129.2M | $104.7M | $15.9M | $837K | 1.16% | 3.10% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.55% | 0.69% | 90th | |
Return on equity Annualized net income ÷ equity or net worth | 12.9% | 5.9% | 93th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.75% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.17% |
| 8,904 |
Loan mix (Q1 2026): real estate $24.6M · commercial $22.6M · consumer $44.8M · securities $20.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.8% | 78.7% | 15th |
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.