| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.0% | +3.9% | +4.1 pts |
| Share growth (YoY) | +8.3% | +3.3% | +5.0 pts |
| Loan growth (YoY) | +11.6% | +2.9% | +8.7 pts |
| ROA | 0.75% | 0.69% | +0.1 pts |
| ROE | 8.1% | 5.9% | +2.1 pts |
ROA ranks in the 54th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $210.0M | $189.2M | $124.1M | $19.5M | $394K | 0.75% | 4.31% | 0.64% | 24,134 |
| Q4 2025 | $202.4M | $181.7M | $122.4M | $19.1M | $1.5M | 0.73% | 4.08% | 0.88% | 23,897 |
| Q3 2025 | $196.8M | $176.8M | $118.3M | $18.4M | $707K | 0.48% | 4.05% | 0.56% | 23,510 |
| Q2 2025 | $196.3M | $176.3M | $116.2M | $18.1M | $442K | 0.45% | 3.89% | 0.77% | 23,182 |
| Q1 2025 | $194.5M | $174.7M | $111.2M | $17.9M | $204K | 0.42% | 3.76% | 0.94% | 22,883 |
| Q4 2024 | $184.7M | $166.4M | $111.2M | $17.7M | $1.2M | 0.65% | 3.65% | 1.15% | 22,522 |
| Q3 2024 | $182.1M | $163.1M | $108.9M | $17.3M | $792K | 0.58% | 3.62% | 0.86% | 22,425 |
| Q2 2024 | $177.8M | $159.1M | $107.2M | $17.0M | $417K | 0.47% | 3.64% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.75% | 0.69% | 54th | |
Return on equity Annualized net income ÷ equity or net worth | 8.1% | 5.9% | 69th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.31% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.96% |
| 22,040 |
Loan mix (Q1 2026): real estate $17.4M · commercial $0 · consumer $99.3M · securities $56.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.6% | 78.7% | 36th |
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.