| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.2% | +3.9% | +7.3 pts |
| Share growth (YoY) | +12.7% | +3.3% | +9.4 pts |
| Loan growth (YoY) | +11.1% | +2.9% | +8.1 pts |
| ROA | 0.57% | 0.69% | -0.1 pts |
| ROE | 5.0% | 5.9% | -0.9 pts |
ROA ranks in the 41st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $267.7M | $235.6M | $190.4M | $30.5M | $382K | 0.57% | 3.39% | 0.73% | 13,338 |
| Q4 2025 | $258.6M | $220.7M | $179.4M | $30.1M | $2.5M | 0.95% | 3.40% | 0.89% | 13,311 |
| Q3 2025 | $252.3M | $217.9M | $179.6M | $29.7M | $2.0M | 1.03% | 3.45% | 0.95% | 13,279 |
| Q2 2025 | $245.4M | $215.5M | $172.5M | $29.0M | $1.3M | 1.05% | 3.47% | 0.80% | 13,198 |
| Q1 2025 | $240.7M | $209.1M | $171.4M | $28.3M | $617K | 1.03% | 3.46% | 1.11% | 13,118 |
| Q4 2024 | $243.5M | $210.5M | $174.5M | $27.7M | $1.9M | 0.78% | 3.18% | 1.01% | 13,058 |
| Q3 2024 | $247.8M | $218.7M | $177.0M | $27.5M | $1.6M | 0.84% | 3.11% | 0.80% | 12,984 |
| Q2 2024 | $242.0M | $209.9M | $175.7M | $26.7M | $792K | 0.65% | 3.12% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.57% | 0.69% | 41th | |
Return on equity Annualized net income ÷ equity or net worth | 5.0% | 5.9% | 41th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.39% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.82% |
| 12,834 |
Loan mix (Q1 2026): real estate $111.6M · commercial $8.7M · consumer $47.2M · securities $32.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 85.3% | 78.7% | 73th |
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.