| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.9% | +3.9% | +3.0 pts |
| Share growth (YoY) | +6.0% | +3.3% | +2.7 pts |
| Loan growth (YoY) | +27.6% | +2.9% | +24.7 pts |
| ROA | 0.74% | 0.69% | +0.0 pts |
| ROE | 7.9% | 5.9% | +1.9 pts |
ROA ranks in the 54th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $138.1M | $122.8M | $105.7M | $12.9M | $255K | 0.74% | 3.95% | 0.08% | 9,373 |
| Q4 2025 | $133.2M | $118.4M | $103.5M | $12.7M | $882K | 0.66% | 3.85% | 0.26% | 9,259 |
| Q3 2025 | $133.4M | $118.7M | $98.9M | $13.2M | $1.4M | 1.35% | 3.74% | 0.20% | 9,141 |
| Q2 2025 | $131.0M | $116.0M | $89.9M | $12.8M | $1.0M | 1.59% | 3.65% | 0.15% | 8,967 |
| Q1 2025 | $129.2M | $115.8M | $82.9M | $12.1M | $253K | 0.78% | 3.56% | 0.17% | 8,792 |
| Q4 2024 | $124.1M | $111.2M | $77.4M | $11.8M | $850K | 0.69% | 3.20% | 0.15% | 8,697 |
| Q3 2024 | $121.6M | $108.8M | $71.4M | $11.6M | $616K | 0.68% | 3.14% | 0.22% | 8,595 |
| Q2 2024 | $119.9M | $107.1M | $68.5M | $11.4M | $418K | 0.70% | 3.13% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.74% | 0.69% | 54th | |
Return on equity Annualized net income ÷ equity or net worth | 7.9% | 5.9% | 67th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.95% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.22% |
| 8,513 |
Loan mix (Q1 2026): real estate $37.7M · commercial $0 · consumer $62.0M · securities $8.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.8% | 78.7% | 54th |
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.