| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.5% | +3.9% | +6.6 pts |
| Share growth (YoY) | +11.4% | +3.3% | +8.1 pts |
| Loan growth (YoY) | +15.8% | +2.9% | +12.8 pts |
| ROA | 0.84% | 0.69% | +0.1 pts |
| ROE | 8.0% | 5.9% | +2.1 pts |
ROA ranks in the 60th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $152.4M | $134.2M | $125.5M | $15.9M | $319K | 0.84% | 5.56% | 1.19% | 20,483 |
| Q4 2025 | $144.0M | $125.7M | $119.9M | $15.6M | $1.0M | 0.71% | 5.05% | 1.49% | 20,736 |
| Q3 2025 | $140.3M | $122.5M | $115.0M | $15.4M | $869K | 0.83% | 5.05% | 1.36% | 19,936 |
| Q2 2025 | $138.1M | $120.3M | $110.2M | $15.1M | $531K | 0.77% | 5.04% | 1.51% | 19,640 |
| Q1 2025 | $137.9M | $120.5M | $108.4M | $15.0M | $426K | 1.23% | 4.90% | 0.84% | 19,447 |
| Q4 2024 | $132.0M | $115.3M | $105.8M | $14.6M | $1.1M | 0.83% | 5.27% | 1.78% | 19,316 |
| Q3 2024 | $130.7M | $114.3M | $108.8M | $14.4M | $969K | 0.99% | 5.29% | 0.91% | 19,404 |
| Q2 2024 | $127.0M | $111.1M | $107.5M | $14.1M | $591K | 0.93% | 5.34% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.84% | 0.69% | 60th | |
Return on equity Annualized net income ÷ equity or net worth | 8.0% | 5.9% | 68th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.56% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 1.06% |
| 19,334 |
Loan mix (Q1 2026): real estate $29.3M · commercial $0 · consumer $87.6M · securities $5.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 81.6% | 78.7% | 61th |
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.