| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.3% | +3.9% | +3.3 pts |
| Share growth (YoY) | +7.1% | +3.3% | +3.8 pts |
| Loan growth (YoY) | +12.1% | +2.9% | +9.2 pts |
| ROA | 0.59% | 0.69% | -0.1 pts |
| ROE | 6.0% | 5.9% | +0.0 pts |
ROA ranks in the 42nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $387.8M | $346.4M | $263.0M | $38.6M | $576K | 0.59% | 4.41% | 0.55% | 25,905 |
| Q4 2025 | $381.7M | $340.5M | $259.2M | $38.0M | $3.1M | 0.81% | 4.46% | 0.57% | 25,784 |
| Q3 2025 | $378.3M | $338.1M | $258.7M | $37.2M | $2.3M | 0.80% | 4.46% | 0.60% | 25,609 |
| Q2 2025 | $366.0M | $326.9M | $251.5M | $36.4M | $1.5M | 0.82% | 4.56% | 0.68% | 25,383 |
| Q1 2025 | $361.5M | $323.4M | $234.6M | $35.7M | $774K | 0.86% | 4.56% | 0.60% | 25,099 |
| Q4 2024 | $352.4M | $314.4M | $224.6M | $34.9M | $4.9M | 1.40% | 4.55% | 0.58% | 24,784 |
| Q3 2024 | $346.3M | $310.0M | $217.1M | $33.6M | $3.6M | 1.39% | 4.55% | 0.63% | 24,560 |
| Q2 2024 | $339.0M | $303.4M | $216.1M | $32.4M | $2.4M | 1.42% | 4.49% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.59% | 0.69% | 42th | |
Return on equity Annualized net income ÷ equity or net worth | 6.0% | 5.9% | 50th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.41% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.55% |
| 24,370 |
Loan mix (Q1 2026): real estate $47.7M · commercial $46.8M · consumer $150.2M · securities $34.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.4% | 78.7% | 64th |
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.