| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.9% | +3.9% | -2.0 pts |
| Share growth (YoY) | +0.5% | +3.3% | -2.8 pts |
| Loan growth (YoY) | +11.8% | +2.9% | +8.9 pts |
| ROA | 1.11% | 0.69% | +0.4 pts |
| ROE | 10.4% | 5.9% | +4.4 pts |
ROA ranks in the 76th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $401.5M | $358.9M | $176.6M | $42.9M | $1.1M | 1.11% | 3.53% | 0.24% | 18,427 |
| Q4 2025 | $392.7M | $349.9M | $163.4M | $41.8M | $4.3M | 1.09% | 3.38% | 0.26% | 18,905 |
| Q3 2025 | $394.5M | $352.8M | $156.9M | $41.4M | $3.9M | 1.31% | 3.48% | 0.09% | 18,938 |
| Q2 2025 | $388.5M | $350.2M | $157.3M | $40.2M | $2.7M | 1.38% | 3.50% | 0.15% | 18,865 |
| Q1 2025 | $394.1M | $357.0M | $157.9M | $39.0M | $1.4M | 1.44% | 3.39% | 0.08% | 18,842 |
| Q4 2024 | $382.0M | $348.7M | $159.8M | $37.5M | $3.7M | 0.96% | 2.88% | 0.22% | 18,698 |
| Q3 2024 | $375.9M | $340.9M | $160.1M | $36.7M | $2.9M | 1.01% | 2.74% | 0.13% | 18,645 |
| Q2 2024 | $365.3M | $340.4M | $161.8M | $35.5M | $1.6M | 0.88% | 2.75% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.11% | 0.69% | 76th | |
Return on equity Annualized net income ÷ equity or net worth | 10.4% | 5.9% | 84th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.53% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.35% |
| 18,697 |
Loan mix (Q1 2026): real estate $67.2M · commercial $18.3M · consumer $75.8M · securities $158.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.4% | 78.7% | 25th |
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.