| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.7% | +3.9% | +2.7 pts |
| Share growth (YoY) | +5.6% | +3.3% | +2.3 pts |
| Loan growth (YoY) | +3.0% | +2.9% | +0.0 pts |
| ROA | 1.53% | 0.69% | +0.8 pts |
| ROE | 12.4% | 5.9% | +6.4 pts |
ROA ranks in the 89th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $160.8M | $138.9M | $111.1M | $19.9M | $614K | 1.53% | 3.85% | 2.31% | 8,889 |
| Q4 2025 | $159.7M | $138.6M | $110.5M | $19.2M | $2.7M | 1.71% | 3.80% | 2.46% | 8,609 |
| Q3 2025 | $155.5M | $135.3M | $108.4M | $18.6M | $2.1M | 1.76% | 3.85% | 1.95% | 8,866 |
| Q2 2025 | $153.9M | $133.9M | $112.2M | $17.9M | $1.3M | 1.75% | 3.80% | 1.77% | 8,936 |
| Q1 2025 | $150.8M | $131.6M | $107.9M | $17.2M | $685K | 1.82% | 3.77% | 1.64% | 8,816 |
| Q4 2024 | $146.7M | $128.3M | $106.9M | $16.5M | $2.3M | 1.55% | 3.61% | 1.41% | 8,758 |
| Q3 2024 | $143.4M | $125.9M | $103.0M | $16.0M | $1.7M | 1.60% | 3.62% | 0.40% | 8,720 |
| Q2 2024 | $140.1M | $123.3M | $99.2M | $15.3M | $1.1M | 1.59% | 3.66% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.53% | 0.69% | 89th | |
Return on equity Annualized net income ÷ equity or net worth | 12.4% | 5.9% | 91th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.85% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.50% |
| 8,799 |
Loan mix (Q1 2026): real estate $60.3M · commercial $4.5M · consumer $27.4M · securities $20.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.6% | 78.7% | 10th |
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.