| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.4% | +3.9% | +7.5 pts |
| Share growth (YoY) | +13.8% | +3.3% | +10.5 pts |
| Loan growth (YoY) | +13.1% | +2.9% | +10.2 pts |
| ROA | 0.73% | 0.69% | +0.0 pts |
| ROE | 7.9% | 5.9% | +2.0 pts |
ROA ranks in the 53rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $189.8M | $172.6M | $148.6M | $17.5M | $346K | 0.73% | 3.00% | 0.56% | 5,341 |
| Q4 2025 | $184.9M | $165.9M | $146.9M | $17.1M | $640K | 0.35% | 2.88% | 0.59% | 5,341 |
| Q3 2025 | $185.3M | $166.7M | $143.9M | $17.0M | $492K | 0.35% | 2.81% | 0.89% | 5,497 |
| Q2 2025 | $186.7M | $169.4M | $144.3M | $16.8M | $297K | 0.32% | 2.75% | 0.35% | 5,497 |
| Q1 2025 | $170.3M | $151.6M | $131.4M | $16.7M | $198K | 0.47% | 2.88% | 0.56% | 5,430 |
| Q4 2024 | $151.4M | $133.2M | $124.2M | $16.5M | $429K | 0.28% | 2.95% | 1.14% | 5,371 |
| Q3 2024 | $150.9M | $134.5M | $114.4M | $16.4M | $310K | 0.27% | 2.86% | 0.76% | 5,420 |
| Q2 2024 | $143.9M | $126.1M | $104.5M | $16.4M | $334K | 0.46% | 2.99% |
| Ratio | River Works Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.73% | 0.69% | 53th | |
Return on equity Annualized net income ÷ equity or net worth | 7.9% | 5.9% | 67th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.00% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.25% |
| 5,476 |
Loan mix (Q1 2026): real estate $119.4M · commercial $25.4M · consumer $3.8M · securities $8.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.0% | 78.7% | 55th |
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 | River Works Credit Union | 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 | River Works Credit Union | 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 | River Works Credit Union | 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 | River Works Credit Union | 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.