| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.2% | +3.9% | +1.3 pts |
| Share growth (YoY) | +5.5% | +3.3% | +2.2 pts |
| Loan growth (YoY) | +22.1% | +2.9% | +19.2 pts |
| ROA | 0.28% | 0.69% | -0.4 pts |
| ROE | 2.9% | 5.9% | -3.0 pts |
ROA ranks in the 22nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $351.9M | $317.8M | $260.9M | $33.8M | $249K | 0.28% | 3.63% | 0.75% | 16,047 |
| Q4 2025 | $356.1M | $321.9M | $257.1M | $33.6M | $979K | 0.27% | 3.00% | 0.89% | 15,756 |
| Q3 2025 | $346.2M | $312.3M | $226.3M | $33.4M | $777K | 0.30% | 2.96% | 0.74% | 15,304 |
| Q2 2025 | $341.2M | $307.9M | $222.5M | $33.2M | $544K | 0.32% | 2.95% | 0.66% | 14,969 |
| Q1 2025 | $334.4M | $301.3M | $213.6M | $32.8M | $195K | 0.23% | 2.86% | 0.56% | 14,794 |
| Q4 2024 | $306.3M | $273.5M | $205.4M | $32.6M | $1.3M | 0.44% | 2.98% | 0.59% | 14,548 |
| Q3 2024 | $299.0M | $266.7M | $209.9M | $32.4M | $1.1M | 0.49% | 3.04% | 0.65% | 14,514 |
| Q2 2024 | $293.7M | $261.2M | $196.5M | $32.0M | $709K | 0.48% | 3.05% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.28% | 0.69% | 22th | |
Return on equity Annualized net income ÷ equity or net worth | 2.9% | 5.9% | 25th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.63% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.60% |
| 14,516 |
Loan mix (Q1 2026): real estate $134.2M · commercial $28.8M · consumer $95.0M · securities $48.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.1% | 78.7% | 56th |
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.