| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +23.7% | +3.9% | +19.8 pts |
| Share growth (YoY) | +21.8% | +3.3% | +18.5 pts |
| Loan growth (YoY) | +8.7% | +2.9% | +5.8 pts |
| ROA | 0.47% | 0.69% | -0.2 pts |
| ROE | 3.4% | 5.9% | -2.6 pts |
ROA ranks in the 34th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $275.1M | $232.8M | $201.8M | $38.6M | $325K | 0.47% | 5.42% | 1.73% | 18,893 |
| Q4 2025 | $268.9M | $226.8M | $199.8M | $38.3M | $3.3M | 1.23% | 5.11% | 1.98% | 18,586 |
| Q3 2025 | $222.4M | $190.0M | $195.3M | $31.1M | $1.7M | 1.04% | 5.39% | 1.51% | 15,685 |
| Q2 2025 | $225.4M | $193.5M | $191.4M | $30.9M | $1.5M | 1.36% | 5.13% | 1.59% | 15,685 |
| Q1 2025 | $222.5M | $191.1M | $185.6M | $30.7M | $1.3M | 2.39% | 5.05% | 1.15% | 15,383 |
| Q4 2024 | $213.4M | $183.2M | $187.1M | $29.3M | $1.4M | 0.66% | 4.60% | 1.47% | 15,040 |
| Q3 2024 | $211.9M | $182.0M | $183.4M | $29.4M | $1.1M | 0.68% | 4.52% | 1.13% | 14,807 |
| Q2 2024 | $210.3M | $180.7M | $177.8M | $28.9M | $517K | 0.49% | 4.35% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.47% | 0.69% | 34th | |
Return on equity Annualized net income ÷ equity or net worth | 3.4% | 5.9% | 29th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.42% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 1.11% |
| 14,535 |
Loan mix (Q1 2026): real estate $68.4M · commercial $0 · consumer $129.5M · securities $28.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.4% | 78.7% | 20th |
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.