| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.4% | +1.3% | +6.1 pts |
| Share growth (YoY) | +6.5% | +0.7% | +5.8 pts |
| Loan growth (YoY) | +7.3% | -2.4% | +9.7 pts |
| ROA | 1.42% | 0.60% | +0.8 pts |
| ROE | 11.6% | 4.1% | +7.5 pts |
ROA ranks in the 83rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $32.4M | $28.3M | $20.0M | $4.0M | $115K | 1.42% | 4.09% | 1.98% | 2,173 |
| Q4 2025 | $32.2M | $28.3M | $18.6M | $3.8M | $519K | 1.61% | 4.25% | 1.68% | 2,187 |
| Q3 2025 | $30.3M | $26.4M | $18.5M | $3.7M | $370K | 1.63% | 4.45% | 1.65% | 2,217 |
| Q2 2025 | $30.1M | $26.5M | $18.7M | $3.6M | $235K | 1.56% | 4.41% | 2.32% | 2,240 |
| Q1 2025 | $30.1M | $26.6M | $18.6M | $3.4M | $110K | 1.46% | 4.27% | 1.96% | 2,225 |
| Q4 2024 | $29.1M | $25.6M | $18.8M | $3.3M | $465K | 1.60% | 4.46% | 0.83% | 2,226 |
| Q3 2024 | $28.8M | $25.5M | $18.8M | $3.2M | $356K | 1.65% | 4.50% | 1.13% | 2,256 |
| Q2 2024 | $28.6M | $25.4M | $19.7M | $3.1M | $251K | 1.75% | 4.52% | 1.20% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.42% | 0.60% | 83th | |
Return on equity Annualized net income ÷ equity or net worth | 11.6% | 4.1% | 90th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.09% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,337 |
Loan mix (Q1 2026): real estate $14.7M · commercial $0 · consumer $4.4M · securities $9.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.9% | 81.5% | 29th |
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.