| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.5% | +3.9% | +0.6 pts |
| Share growth (YoY) | +7.5% | +3.3% | +4.2 pts |
| Loan growth (YoY) | +3.0% | +2.9% | +0.1 pts |
| ROA | 1.97% | 0.69% | +1.3 pts |
| ROE | 13.0% | 5.9% | +7.0 pts |
ROA ranks in the 96th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $182.6M | $144.3M | $159.4M | $27.8M | $900K | 1.97% | 4.24% | 0.64% | 12,022 |
| Q4 2025 | $186.5M | $141.8M | $160.3M | $26.9M | $3.5M | 1.88% | 3.88% | 0.70% | 12,033 |
| Q3 2025 | $180.5M | $138.8M | $157.7M | $25.9M | $2.5M | 1.87% | 3.96% | 0.45% | 12,123 |
| Q2 2025 | $179.3M | $138.5M | $155.4M | $24.9M | $1.6M | 1.74% | 3.88% | 0.37% | 12,252 |
| Q1 2025 | $174.8M | $134.2M | $154.6M | $24.0M | $680K | 1.56% | 3.83% | 0.67% | 12,351 |
| Q4 2024 | $175.9M | $135.4M | $155.0M | $23.4M | $2.9M | 1.67% | 3.68% | 0.65% | 12,319 |
| Q3 2024 | $171.3M | $132.3M | $152.2M | $22.9M | $2.2M | 1.68% | 3.78% | 0.88% | 12,382 |
| Q2 2024 | $168.0M | $132.4M | $149.5M | $21.5M | $1.2M | 1.42% | 3.54% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.97% | 0.69% | 96th | |
Return on equity Annualized net income ÷ equity or net worth | 13.0% | 5.9% | 93th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.24% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.45% |
| 12,325 |
Loan mix (Q1 2026): real estate $92.7M · commercial $2.5M · consumer $54.2M · securities $6.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 58.0% | 78.7% | 6th |
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.