| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.6% | +3.9% | +3.7 pts |
| Share growth (YoY) | +7.7% | +3.3% | +4.4 pts |
| Loan growth (YoY) | +3.6% | +2.9% | +0.7 pts |
| ROA | 1.02% | 0.69% | +0.3 pts |
| ROE | 8.0% | 5.9% | +2.0 pts |
ROA ranks in the 71st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $304.6M | $262.9M | $154.9M | $39.2M | $780K | 1.02% | 3.49% | 0.38% | 15,964 |
| Q4 2025 | $296.0M | $254.7M | $157.7M | $38.4M | $2.6M | 0.89% | 3.58% | 0.19% | 16,069 |
| Q3 2025 | $291.7M | $250.6M | $155.8M | $37.7M | $2.0M | 0.89% | 3.59% | 0.46% | 16,430 |
| Q2 2025 | $291.3M | $251.2M | $153.0M | $37.0M | $1.2M | 0.82% | 3.54% | 0.40% | 16,473 |
| Q1 2025 | $283.0M | $244.1M | $149.5M | $36.4M | $568K | 0.80% | 3.60% | 0.56% | 16,516 |
| Q4 2024 | $250.0M | $216.1M | $140.0M | $31.5M | $2.3M | 0.94% | 3.53% | 0.88% | 15,381 |
| Q3 2024 | $248.8M | $214.9M | $140.6M | $30.9M | $1.7M | 0.92% | 3.49% | 0.71% | 15,433 |
| Q2 2024 | $245.8M | $213.2M | $141.1M | $30.1M | $975K | 0.79% | 3.45% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.02% | 0.69% | 71th | |
Return on equity Annualized net income ÷ equity or net worth | 8.0% | 5.9% | 68th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.49% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.52% |
| 15,298 |
Loan mix (Q1 2026): real estate $103.3M · commercial $1.7M · consumer $39.7M · securities $87.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.3% | 78.7% | 39th |
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.