| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.6% | +3.9% | +1.7 pts |
| Share growth (YoY) | +5.5% | +3.3% | +2.2 pts |
| Loan growth (YoY) | +4.7% | +2.9% | +1.7 pts |
| ROA | 1.37% | 0.69% | +0.7 pts |
| ROE | 8.2% | 5.9% | +2.2 pts |
ROA ranks in the 86th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $246.9M | $203.8M | $89.5M | $41.3M | $843K | 1.37% | 2.85% | 0.14% | 10,321 |
| Q4 2025 | $237.9M | $195.4M | $84.3M | $40.2M | $3.0M | 1.24% | 2.56% | 0.18% | 10,272 |
| Q3 2025 | $233.7M | $191.6M | $84.6M | $39.7M | $2.4M | 1.36% | 2.62% | 0.21% | 10,282 |
| Q2 2025 | $232.7M | $192.2M | $86.3M | $38.9M | $1.6M | 1.38% | 2.60% | 0.26% | 10,216 |
| Q1 2025 | $233.9M | $193.2M | $85.5M | $38.1M | $794K | 1.36% | 2.48% | 0.26% | 10,119 |
| Q4 2024 | $228.4M | $189.9M | $82.9M | $37.3M | $2.5M | 1.08% | 2.17% | 0.07% | 10,037 |
| Q3 2024 | $221.5M | $184.2M | $83.6M | $36.9M | $2.0M | 1.22% | 2.32% | 0.04% | 10,016 |
| Q2 2024 | $221.3M | $182.8M | $83.7M | $36.1M | $1.3M | 1.18% | 2.28% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.37% | 0.69% | 86th | |
Return on equity Annualized net income ÷ equity or net worth | 8.2% | 5.9% | 70th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.85% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.06% |
| 9,962 |
Loan mix (Q1 2026): real estate $33.0M · commercial $25.1M · consumer $27.7M · securities $129.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 58.9% | 78.7% | 7th |
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.