| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +15.1% | +3.9% | +11.2 pts |
| Share growth (YoY) | +15.5% | +3.3% | +12.2 pts |
| Loan growth (YoY) | +10.5% | +2.9% | +7.6 pts |
| ROA | 1.47% | 0.69% | +0.8 pts |
| ROE | 14.7% | 5.9% | +8.8 pts |
ROA ranks in the 88th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $267.8M | $240.3M | $196.4M | $26.7M | $983K | 1.47% | 3.11% | 0.61% | 17,598 |
| Q4 2025 | $254.0M | $226.7M | $194.1M | $25.7M | $3.3M | 1.29% | 2.82% | 0.51% | 17,259 |
| Q3 2025 | $242.8M | $216.5M | $190.4M | $25.3M | $2.8M | 1.53% | 3.05% | 0.59% | 16,964 |
| Q2 2025 | $233.3M | $208.1M | $184.2M | $24.3M | $1.8M | 1.57% | 3.13% | 0.31% | 16,687 |
| Q1 2025 | $232.7M | $208.1M | $177.7M | $23.4M | $906K | 1.56% | 3.06% | 0.53% | 16,413 |
| Q4 2024 | $220.1M | $196.5M | $175.1M | $22.5M | $2.3M | 1.05% | 2.53% | 0.39% | 16,189 |
| Q3 2024 | $212.8M | $189.4M | $171.8M | $22.1M | $2.0M | 1.25% | 2.71% | 0.57% | 15,906 |
| Q2 2024 | $210.1M | $187.5M | $167.1M | $21.4M | $1.2M | 1.16% | 2.66% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.47% | 0.69% | 88th | |
Return on equity Annualized net income ÷ equity or net worth | 14.7% | 5.9% | 96th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.11% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.56% |
| 15,624 |
Loan mix (Q1 2026): real estate $93.9M · commercial $17.8M · consumer $79.4M · securities $33.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 60.1% | 78.7% | 9th |
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.