| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +30.5% | +3.9% | +26.6 pts |
| Share growth (YoY) | +30.1% | +3.3% | +26.8 pts |
| Loan growth (YoY) | +42.8% | +2.9% | +39.9 pts |
| ROA | 0.85% | 0.69% | +0.2 pts |
| ROE | 7.3% | 5.9% | +1.3 pts |
ROA ranks in the 61st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $202.6M | $182.2M | $115.5M | $23.9M | $433K | 0.85% | 4.03% | 1.37% | 11,541 |
| Q4 2025 | $206.7M | $186.3M | $117.9M | $23.5M | $924K | 0.45% | 3.45% | 1.41% | 11,651 |
| Q3 2025 | $205.7M | $186.7M | $119.6M | $22.6M | $40K | 0.03% | 3.37% | 1.08% | 11,715 |
| Q2 2025 | $203.4M | $186.7M | $116.6M | $21.8M | $-731K | -0.72% | 3.39% | 0.73% | 11,739 |
| Q1 2025 | $155.2M | $140.0M | $80.9M | $20.0M | $470K | 1.21% | 3.13% | 0.31% | 8,112 |
| Q4 2024 | $149.9M | $135.9M | $77.3M | $19.5M | $1.7M | 1.16% | 3.17% | 0.28% | 8,066 |
| Q3 2024 | $148.8M | $133.9M | $76.6M | $19.1M | $1.3M | 1.17% | 3.15% | 0.61% | 8,089 |
| Q2 2024 | $149.1M | $135.6M | $74.3M | $18.5M | $799K | 1.07% | 3.05% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.85% | 0.69% | 61th | |
Return on equity Annualized net income ÷ equity or net worth | 7.3% | 5.9% | 61th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.03% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.23% |
| 8,111 |
Loan mix (Q1 2026): real estate $65.8M · commercial $3.7M · consumer $32.4M · securities $54.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.8% | 78.7% | 26th |
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.