| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +17.3% | +3.9% | +13.4 pts |
| Share growth (YoY) | +17.6% | +3.3% | +14.3 pts |
| Loan growth (YoY) | +11.6% | +2.9% | +8.6 pts |
| ROA | 0.12% | 0.69% | -0.6 pts |
| ROE | 1.1% | 5.9% | -4.8 pts |
ROA ranks in the 12th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $105.8M | $93.8M | $63.2M | $11.4M | $31K | 0.12% | 3.97% | 0.93% | 9,480 |
| Q4 2025 | $102.7M | $90.6M | $61.8M | $11.3M | $309K | 0.30% | 4.07% | 1.07% | 9,504 |
| Q3 2025 | $102.5M | $90.6M | $61.1M | $11.1M | $227K | 0.30% | 3.98% | 0.98% | 9,548 |
| Q2 2025 | $103.0M | $91.1M | $58.9M | $11.0M | $195K | 0.38% | 3.82% | 1.26% | 9,524 |
| Q1 2025 | $90.2M | $79.8M | $56.6M | $9.9M | $65K | 0.29% | 4.10% | 0.93% | 8,364 |
| Q4 2024 | $87.8M | $77.5M | $55.8M | $9.8M | $268K | 0.30% | 3.88% | 1.10% | 8,313 |
| Q3 2024 | $85.5M | $75.3M | $55.4M | $9.7M | $153K | 0.24% | 3.85% | 1.21% | 8,055 |
| Q2 2024 | $85.3M | $74.9M | $55.1M | $9.6M | $106K | 0.25% | 3.71% | 0.93% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.12% | 0.69% | 12th | |
Return on equity Annualized net income ÷ equity or net worth | 1.1% | 5.9% | 13th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.97% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 7,980 |
Loan mix (Q1 2026): real estate $35.3M · commercial $166K · consumer $26.6M · securities $28.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 97.2% | 78.7% | 96th |
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.