| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.1% | +3.9% | -0.8 pts |
| Share growth (YoY) | +2.2% | +3.3% | -1.1 pts |
| Loan growth (YoY) | +3.1% | +2.9% | +0.2 pts |
| ROA | 1.21% | 0.69% | +0.5 pts |
| ROE | 10.3% | 5.9% | +4.3 pts |
ROA ranks in the 79th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $216.5M | $189.5M | $156.1M | $25.5M | $654K | 1.21% | 4.06% | 0.73% | 16,726 |
| Q4 2025 | $211.7M | $184.9M | $155.6M | $24.8M | $2.1M | 0.99% | 3.75% | 0.85% | 16,704 |
| Q3 2025 | $213.3M | $186.8M | $146.5M | $24.9M | $1.8M | 1.14% | 3.68% | 0.73% | 16,710 |
| Q2 2025 | $212.8M | $186.2M | $148.7M | $24.6M | $1.5M | 1.41% | 3.63% | 0.99% | 16,633 |
| Q1 2025 | $209.9M | $185.3M | $151.3M | $23.2M | $82K | 0.16% | 3.62% | 0.66% | 17,320 |
| Q4 2024 | $201.6M | $176.9M | $150.6M | $23.1M | $1.4M | 0.71% | 3.72% | 0.74% | 17,259 |
| Q3 2024 | $199.2M | $175.2M | $150.9M | $22.7M | $737K | 0.49% | 3.73% | 0.59% | 17,398 |
| Q2 2024 | $206.6M | $174.4M | $145.3M | $22.4M | $373K | 0.36% | 3.48% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.21% | 0.69% | 79th | |
Return on equity Annualized net income ÷ equity or net worth | 10.3% | 5.9% | 84th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.06% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.57% |
| 17,441 |
Loan mix (Q1 2026): real estate $41.8M · commercial $18.6M · consumer $92.9M · securities $29.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.5% | 78.7% | 32th |
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.