| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.7% | +3.9% | +4.8 pts |
| Share growth (YoY) | +8.0% | +3.3% | +4.7 pts |
| Loan growth (YoY) | +13.5% | +2.9% | +10.6 pts |
| ROA | 0.71% | 0.69% | +0.0 pts |
| ROE | 5.7% | 5.9% | -0.3 pts |
ROA ranks in the 51st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $221.7M | $190.8M | $136.4M | $27.9M | $394K | 0.71% | 3.36% | 0.59% | 14,370 |
| Q4 2025 | $219.1M | $188.0M | $129.9M | $27.5M | $1.1M | 0.48% | 3.30% | 0.54% | 13,446 |
| Q3 2025 | $216.0M | $186.0M | $122.2M | $27.6M | $1.1M | 0.69% | 3.28% | 0.80% | 13,525 |
| Q2 2025 | $214.7M | $184.1M | $124.0M | $27.1M | $685K | 0.64% | 3.18% | 0.61% | 13,755 |
| Q1 2025 | $203.9M | $176.7M | $120.2M | $25.1M | $452K | 0.89% | 3.11% | 0.56% | 12,954 |
| Q4 2024 | $198.8M | $172.4M | $124.9M | $24.6M | $464K | 0.23% | 2.95% | 0.60% | 13,046 |
| Q3 2024 | $203.4M | $176.4M | $128.6M | $23.1M | $974K | 0.64% | 2.83% | 1.13% | 13,181 |
| Q2 2024 | $209.6M | $181.8M | $127.2M | $23.0M | $866K | 0.83% | 2.73% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.71% | 0.69% | 51th | |
Return on equity Annualized net income ÷ equity or net worth | 5.7% | 5.9% | 48th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.36% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 1.32% |
| 13,173 |
Loan mix (Q1 2026): real estate $23.5M · commercial $0 · consumer $105.1M · securities $45.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.2% | 78.7% | 63th |
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.