| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.8% | +3.9% | +3.9 pts |
| Share growth (YoY) | +7.5% | +3.3% | +4.2 pts |
| Loan growth (YoY) | +2.4% | +2.9% | -0.6 pts |
| ROA | 0.73% | 0.69% | +0.0 pts |
| ROE | 8.6% | 5.9% | +2.6 pts |
ROA ranks in the 53rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $247.6M | $225.9M | $107.9M | $21.1M | $451K | 0.73% | 2.93% | 0.28% | 9,664 |
| Q4 2025 | $246.0M | $224.0M | $109.9M | $20.6M | $2.3M | 0.94% | 2.57% | 0.38% | 9,546 |
| Q3 2025 | $232.1M | $210.6M | $109.6M | $20.3M | $2.0M | 1.15% | 2.63% | 0.32% | 9,572 |
| Q2 2025 | $227.0M | $206.5M | $108.9M | $19.9M | $1.6M | 1.38% | 2.58% | 0.40% | 9,519 |
| Q1 2025 | $229.7M | $210.3M | $105.4M | $19.1M | $814K | 1.42% | 2.40% | 0.46% | 9,393 |
| Q4 2024 | $216.8M | $198.6M | $105.7M | $18.3M | $1.2M | 0.53% | 2.27% | 0.45% | 9,320 |
| Q3 2024 | $216.7M | $188.8M | $105.4M | $17.9M | $804K | 0.49% | 2.18% | 0.56% | 9,373 |
| Q2 2024 | $217.3M | $191.1M | $104.1M | $17.6M | $467K | 0.43% | 2.10% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.73% | 0.69% | 53th | |
Return on equity Annualized net income ÷ equity or net worth | 8.6% | 5.9% | 72th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.93% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.27% |
| 9,448 |
Loan mix (Q1 2026): real estate $70.3M · commercial $5.1M · consumer $30.1M · securities $92.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.1% | 78.7% | 31th |
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% |
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