| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +18.0% | +3.9% | +14.1 pts |
| Share growth (YoY) | +15.4% | +3.3% | +12.1 pts |
| Loan growth (YoY) | +17.5% | +2.9% | +14.6 pts |
| ROA | 1.13% | 0.69% | +0.4 pts |
| ROE | 13.3% | 5.9% | +7.4 pts |
ROA ranks in the 77th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $129.1M | $114.1M | $107.9M | $11.0M | $366K | 1.13% | 4.19% | 0.16% | 10,772 |
| Q4 2025 | $120.5M | $104.9M | $102.4M | $10.8M | $1.9M | 1.60% | 4.11% | 0.26% | 10,689 |
| Q3 2025 | $114.7M | $101.8M | $98.4M | $10.2M | $1.4M | 1.60% | 4.25% | 0.20% | 10,201 |
| Q2 2025 | $111.6M | $100.3M | $94.9M | $9.6M | $761K | 1.36% | 4.31% | 0.70% | 10,223 |
| Q1 2025 | $109.4M | $98.8M | $91.9M | $9.2M | $356K | 1.30% | 4.19% | 0.68% | 9,886 |
| Q4 2024 | $104.5M | $94.1M | $87.9M | $9.0M | $1.3M | 1.20% | 3.85% | 1.05% | 9,828 |
| Q3 2024 | $105.2M | $90.9M | $88.0M | $8.6M | $845K | 1.07% | 3.75% | 0.90% | 9,778 |
| Q2 2024 | $99.1M | $89.2M | $83.4M | $8.2M | $488K | 0.98% | 3.85% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.13% | 0.69% | 77th | |
Return on equity Annualized net income ÷ equity or net worth | 13.3% | 5.9% | 94th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.19% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.46% |
| 9,578 |
Loan mix (Q1 2026): real estate $76.8M · commercial $12.5M · consumer $16.4M · securities $4.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.2% | 78.7% | 44th |
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.