| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.1% | +3.9% | +3.2 pts |
| Share growth (YoY) | +6.8% | +3.3% | +3.5 pts |
| Loan growth (YoY) | +11.5% | +2.9% | +8.6 pts |
| ROA | 2.01% | 0.69% | +1.3 pts |
| ROE | 14.1% | 5.9% | +8.2 pts |
ROA ranks in the 96th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $225.6M | $193.1M | $175.5M | $32.1M | $1.1M | 2.01% | 3.75% | 0.10% | 11,515 |
| Q4 2025 | $218.5M | $186.9M | $170.3M | $31.0M | $2.4M | 1.11% | 3.21% | 0.06% | 11,410 |
| Q3 2025 | $216.2M | $179.8M | $168.3M | $31.0M | $2.4M | 1.51% | 3.59% | 0.05% | 11,328 |
| Q2 2025 | $216.3M | $181.8M | $164.2M | $30.1M | $1.6M | 1.47% | 3.48% | 0.13% | 11,220 |
| Q1 2025 | $210.7M | $180.9M | $157.5M | $29.3M | $782K | 1.48% | 3.38% | 0.12% | 11,075 |
| Q4 2024 | $211.6M | $176.4M | $151.9M | $28.5M | $1.2M | 0.57% | 2.69% | 0.14% | 10,825 |
| Q3 2024 | $207.7M | $172.4M | $149.6M | $28.6M | $1.3M | 0.84% | 2.97% | 0.02% | 10,754 |
| Q2 2024 | $206.0M | $171.5M | $142.9M | $28.1M | $778K | 0.76% | 2.92% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.01% | 0.69% | 96th | |
Return on equity Annualized net income ÷ equity or net worth | 14.1% | 5.9% | 95th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.75% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.04% |
| 10,555 |
Loan mix (Q1 2026): real estate $102.1M · commercial $0 · consumer $60.4M · securities $26.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 53.4% | 78.7% | 4th |
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.