| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +16.2% | +1.3% | +14.9 pts |
| Share growth (YoY) | +17.9% | +0.7% | +17.2 pts |
| Loan growth (YoY) | +16.3% | -2.4% | +18.7 pts |
| ROA | 0.83% | 0.60% | +0.2 pts |
| ROE | 5.0% | 4.1% | +0.9 pts |
ROA ranks in the 61st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $21.9M | $17.9M | $15.6M | $3.6M | $46K | 0.83% | 4.90% | 0.46% | 1,562 |
| Q4 2025 | $20.7M | $16.9M | $14.2M | $3.6M | $415K | 2.00% | 5.50% | 1.06% | 1,543 |
| Q3 2025 | $19.5M | $15.8M | $14.1M | $3.5M | $279K | 1.91% | 5.94% | 1.34% | 1,532 |
| Q2 2025 | $18.8M | $15.1M | $13.8M | $3.4M | $167K | 1.78% | 6.11% | 0.42% | 1,524 |
| Q1 2025 | $18.8M | $15.2M | $13.4M | $3.3M | $84K | 1.79% | 5.65% | 1.13% | 1,532 |
| Q4 2024 | $18.4M | $14.9M | $12.3M | $3.2M | $16K | 0.09% | 0.33% | 1.76% | 1,510 |
| Q3 2024 | $18.8M | $15.3M | $11.1M | $3.1M | $8K | 0.06% | 4.14% | 0.00% | 1,490 |
| Q2 2024 | $18.1M | $14.6M | $9.5M | $3.2M | $84K | 0.93% | 4.03% | 1.35% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.83% | 0.60% | 61th | |
Return on equity Annualized net income ÷ equity or net worth | 5.0% | 4.1% | 57th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.90% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,450 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $11.3M · securities $3.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 44.1% | 81.5% | 3th |
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% |
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