| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +12.4% | +3.9% | +8.5 pts |
| Share growth (YoY) | +8.8% | +3.3% | +5.5 pts |
| Loan growth (YoY) | +7.5% | +2.9% | +4.5 pts |
| ROA | 0.55% | 0.69% | -0.1 pts |
| ROE | 7.4% | 5.9% | +1.4 pts |
ROA ranks in the 39th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $439.7M | $392.2M | $347.4M | $32.7M | $604K | 0.55% | 3.06% | 0.41% | 28,213 |
| Q4 2025 | $430.0M | $383.0M | $340.0M | $32.3M | $4.9M | 1.14% | 2.85% | 0.37% | 28,066 |
| Q3 2025 | $408.9M | $363.4M | $332.5M | $30.9M | $3.5M | 1.15% | 2.92% | 0.44% | 27,804 |
| Q2 2025 | $407.3M | $363.3M | $326.3M | $30.3M | $3.0M | 1.45% | 2.83% | 0.50% | 27,165 |
| Q1 2025 | $391.1M | $360.4M | $323.2M | $27.8M | $467K | 0.48% | 2.77% | 0.55% | 26,273 |
| Q4 2024 | $374.6M | $345.0M | $320.5M | $27.5M | $1.1M | 0.29% | 2.80% | 0.73% | 25,469 |
| Q3 2024 | $369.4M | $341.8M | $314.5M | $27.3M | $835K | 0.30% | 2.81% | 0.75% | 25,469 |
| Q2 2024 | $371.3M | $328.2M | $316.0M | $27.0M | $544K | 0.29% | 2.79% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.55% | 0.69% | 39th | |
Return on equity Annualized net income ÷ equity or net worth | 7.4% | 5.9% | 62th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.06% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.67% |
| 25,057 |
Loan mix (Q1 2026): real estate $129.5M · commercial $46.7M · consumer $120.7M · securities $21.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 85.3% | 78.7% | 73th |
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.