| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.0% | +3.9% | +2.0 pts |
| Share growth (YoY) | +5.8% | +3.3% | +2.5 pts |
| Loan growth (YoY) | -1.2% | +2.9% | -4.2 pts |
| ROA | 2.53% | 0.69% | +1.8 pts |
| ROE | 18.6% | 5.9% | +12.6 pts |
ROA ranks in the 99th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $166.3M | $138.7M | $115.0M | $22.6M | $1.1M | 2.53% | 5.68% | 1.75% | 21,346 |
| Q4 2025 | $162.3M | $135.1M | $116.6M | $27.5M | $2.6M | 1.59% | 5.47% | 1.35% | 21,094 |
| Q3 2025 | $158.5M | $131.9M | $118.0M | $26.7M | $1.8M | 1.51% | 5.49% | 0.92% | 20,766 |
| Q2 2025 | $161.0M | $134.7M | $117.9M | $25.9M | $1.0M | 1.30% | 5.10% | 0.53% | 20,368 |
| Q1 2025 | $156.9M | $131.1M | $116.4M | $25.5M | $613K | 1.56% | 5.08% | 0.44% | 20,052 |
| Q4 2024 | $151.4M | $126.9M | $117.8M | $24.9M | $3.0M | 2.00% | 5.15% | 0.76% | 19,791 |
| Q3 2024 | $148.7M | $124.5M | $116.9M | $23.8M | $2.0M | 1.76% | 5.12% | 0.77% | 19,487 |
| Q2 2024 | $151.2M | $126.6M | $116.2M | $23.1M | $1.3M | 1.70% | 4.89% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.53% | 0.69% | 99th | |
Return on equity Annualized net income ÷ equity or net worth | 18.6% | 5.9% | 99th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.68% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 1.15% |
| 19,362 |
Loan mix (Q1 2026): real estate $33.3M · commercial $0 · consumer $74.7M · securities $17.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.7% | 78.7% | 27th |
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.