| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.9% | +3.9% | +4.0 pts |
| Share growth (YoY) | +8.3% | +3.3% | +5.0 pts |
| Loan growth (YoY) | +5.6% | +2.9% | +2.7 pts |
| ROA | 0.66% | 0.69% | -0.0 pts |
| ROE | 5.5% | 5.9% | -0.4 pts |
ROA ranks in the 47th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $353.7M | $309.8M | $246.9M | $42.0M | $580K | 0.66% | 3.36% | 0.39% | 25,513 |
| Q4 2025 | $336.8M | $293.0M | $247.8M | $41.4M | $3.1M | 0.91% | 3.50% | 0.31% | 25,693 |
| Q3 2025 | $329.7M | $286.5M | $245.0M | $40.7M | $2.4M | 0.96% | 3.55% | 0.66% | 27,441 |
| Q2 2025 | $323.6M | $281.6M | $241.1M | $39.9M | $1.5M | 0.95% | 3.58% | 0.48% | 27,663 |
| Q1 2025 | $327.7M | $286.1M | $233.8M | $39.1M | $740K | 0.90% | 3.38% | 0.41% | 28,017 |
| Q4 2024 | $322.6M | $281.7M | $226.5M | $38.0M | $3.3M | 1.01% | 3.17% | 0.70% | 27,788 |
| Q3 2024 | $317.3M | $277.3M | $223.0M | $37.6M | $2.5M | 1.04% | 3.19% | 0.51% | 27,578 |
| Q2 2024 | $316.5M | $275.8M | $220.6M | $36.8M | $1.7M | 1.06% | 3.17% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.66% | 0.69% | 47th | |
Return on equity Annualized net income ÷ equity or net worth | 5.5% | 5.9% | 46th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.36% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.50% |
| 27,272 |
Loan mix (Q1 2026): real estate $132.6M · commercial $3.7M · consumer $104.6M · securities $35.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.3% | 78.7% | 64th |
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.