| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.7% | +3.9% | +3.8 pts |
| Share growth (YoY) | +8.6% | +3.3% | +5.3 pts |
| Loan growth (YoY) | +6.5% | +2.9% | +3.5 pts |
| ROA | 0.57% | 0.69% | -0.1 pts |
| ROE | 5.1% | 5.9% | -0.8 pts |
ROA ranks in the 41st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $348.2M | $304.4M | $238.9M | $39.0M | $499K | 0.57% | 3.50% | 0.67% | 25,463 |
| Q4 2025 | $335.4M | $292.7M | $238.1M | $38.5M | $2.7M | 0.82% | 3.58% | 0.74% | 25,626 |
| Q3 2025 | $333.0M | $290.6M | $235.6M | $38.2M | $2.0M | 0.81% | 3.51% | 0.22% | 25,740 |
| Q2 2025 | $323.9M | $281.6M | $227.2M | $37.2M | $1.0M | 0.64% | 3.52% | 0.35% | 25,901 |
| Q1 2025 | $323.4M | $280.3M | $224.4M | $36.5M | $335K | 0.41% | 3.50% | 0.33% | 26,058 |
| Q4 2024 | $319.0M | $277.8M | $224.4M | $36.2M | $1.8M | 0.55% | 3.34% | 0.77% | 26,134 |
| Q3 2024 | $315.7M | $273.5M | $222.7M | $35.8M | $960K | 0.41% | 3.30% | 0.56% | 26,383 |
| Q2 2024 | $307.3M | $265.7M | $217.5M | $35.5M | $660K | 0.43% | 3.35% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.57% | 0.69% | 41th | |
Return on equity Annualized net income ÷ equity or net worth | 5.1% | 5.9% | 42th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.50% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.60% |
| 26,665 |
Loan mix (Q1 2026): real estate $111.3M · commercial $27.5M · consumer $96.1M · securities $32.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 81.7% | 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.