| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.9% | +3.9% | +3.0 pts |
| Share growth (YoY) | +6.7% | +3.3% | +3.4 pts |
| Loan growth (YoY) | +6.8% | +2.9% | +3.8 pts |
| ROA | 2.28% | 0.69% | +1.6 pts |
| ROE | 22.3% | 5.9% | +16.4 pts |
ROA ranks in the 98th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $132.6M | $118.3M | $86.4M | $13.5M | $755K | 2.28% | 3.70% | 0.97% | 8,110 |
| Q4 2025 | $125.0M | $111.3M | $85.9M | $12.8M | $469K | 0.38% | 3.97% | 1.02% | 8,389 |
| Q3 2025 | $125.4M | $111.9M | $85.2M | $12.7M | $374K | 0.40% | 3.94% | 1.86% | 8,386 |
| Q2 2025 | $123.4M | $109.8M | $85.0M | $12.5M | $199K | 0.32% | 3.94% | 0.85% | 8,432 |
| Q1 2025 | $124.1M | $110.9M | $81.0M | $12.4M | $22K | 0.07% | 3.77% | 0.85% | 8,352 |
| Q4 2024 | $118.8M | $105.4M | $79.9M | $12.3M | $436K | 0.37% | 3.83% | 1.22% | 8,299 |
| Q3 2024 | $119.4M | $106.4M | $78.1M | $12.3M | $318K | 0.36% | 3.76% | 0.97% | 8,280 |
| Q2 2024 | $119.7M | $106.3M | $77.3M | $12.2M | $222K | 0.37% | 3.70% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.28% | 0.69% | 98th | |
Return on equity Annualized net income ÷ equity or net worth | 22.3% | 5.9% | 99th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.70% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.60% |
| 8,272 |
Loan mix (Q1 2026): real estate $32.8M · commercial $6.0M · consumer $44.6M · securities $23.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.6% | 78.7% | 14th |
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.