| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.9% | +3.9% | +4.0 pts |
| Share growth (YoY) | +7.6% | +3.3% | +4.3 pts |
| Loan growth (YoY) | +6.5% | +2.9% | +3.5 pts |
| ROA | 0.62% | 0.69% | -0.1 pts |
| ROE | 4.9% | 5.9% | -1.1 pts |
ROA ranks in the 44th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $216.1M | $188.1M | $122.3M | $27.7M | $338K | 0.62% | 3.51% | 0.57% | 15,853 |
| Q4 2025 | $211.6M | $183.9M | $121.6M | $27.3M | $2.8M | 1.30% | 3.48% | 0.78% | 16,434 |
| Q3 2025 | $207.0M | $179.9M | $120.6M | $26.8M | $2.2M | 1.41% | 3.55% | 0.66% | 16,396 |
| Q2 2025 | $205.4M | $179.1M | $120.2M | $25.9M | $1.3M | 1.27% | 3.49% | 0.66% | 16,426 |
| Q1 2025 | $200.3M | $174.8M | $114.9M | $25.2M | $535K | 1.07% | 3.48% | 0.62% | 16,250 |
| Q4 2024 | $193.5M | $168.5M | $112.3M | $24.6M | $2.6M | 1.36% | 3.42% | 0.58% | 16,148 |
| Q3 2024 | $188.4M | $164.0M | $108.3M | $24.2M | $2.2M | 1.56% | 3.48% | 0.48% | 15,971 |
| Q2 2024 | $186.7M | $162.9M | $106.0M | $23.4M | $1.4M | 1.51% | 3.47% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.62% | 0.69% | 44th | |
Return on equity Annualized net income ÷ equity or net worth | 4.9% | 5.9% | 40th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.51% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.32% |
| 15,954 |
Loan mix (Q1 2026): real estate $27.3M · commercial $10.2M · consumer $82.0M · securities $64.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 68.7% | 78.7% | 22th |
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.