| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +13.8% | +3.9% | +9.9 pts |
| Share growth (YoY) | +8.7% | +3.3% | +5.4 pts |
| Loan growth (YoY) | +15.9% | +2.9% | +12.9 pts |
| ROA | 1.55% | 0.69% | +0.9 pts |
| ROE | 9.4% | 5.9% | +3.4 pts |
ROA ranks in the 90th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $133.5M | $98.4M | $114.2M | $22.2M | $519K | 1.55% | 2.96% | 1.61% | 3,803 |
| Q4 2025 | $131.2M | $97.4M | $111.9M | $21.7M | $2.0M | 1.52% | 2.70% | 1.17% | 3,762 |
| Q3 2025 | $126.7M | $94.2M | $107.8M | $21.1M | $1.4M | 1.51% | 2.70% | 1.07% | 3,730 |
| Q2 2025 | $123.1M | $92.6M | $104.5M | $20.5M | $796K | 1.29% | 2.67% | 0.54% | 3,680 |
| Q1 2025 | $117.3M | $90.6M | $98.6M | $20.0M | $339K | 1.16% | 2.67% | 0.60% | 3,627 |
| Q4 2024 | $116.9M | $89.0M | $97.5M | $19.7M | $1.4M | 1.23% | 2.54% | 0.59% | 3,585 |
| Q3 2024 | $114.7M | $88.0M | $95.1M | $19.2M | $988K | 1.15% | 2.52% | 0.81% | 3,560 |
| Q2 2024 | $111.1M | $87.4M | $91.4M | $18.8M | $551K | 0.99% | 2.53% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.55% | 0.69% | 90th | |
Return on equity Annualized net income ÷ equity or net worth | 9.4% | 5.9% | 78th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.96% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 1.19% |
| 3,518 |
Loan mix (Q1 2026): real estate $78.4M · commercial $11.2M · consumer $20.6M · securities $15.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 50.5% | 78.7% | 2th |
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.