| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.1% | +1.3% | +3.8 pts |
| Share growth (YoY) | +3.7% | +0.7% | +3.1 pts |
| Loan growth (YoY) | +10.1% | -2.4% | +12.4 pts |
| ROA | 0.88% | 0.60% | +0.3 pts |
| ROE | 7.1% | 4.1% | +3.0 pts |
ROA ranks in the 64th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $73.2M | $64.8M | $24.0M | $9.1M | $161K | 0.88% | 3.52% | 0.70% | 4,250 |
| Q4 2025 | $72.5M | $63.7M | $25.3M | $8.9M | $627K | 0.86% | 3.38% | 0.55% | 4,278 |
| Q3 2025 | $70.1M | $62.2M | $25.8M | $8.7M | $496K | 0.94% | 3.46% | 0.54% | 4,338 |
| Q2 2025 | $69.5M | $62.2M | $21.7M | $8.5M | $368K | 1.06% | 3.43% | 0.87% | 4,368 |
| Q1 2025 | $69.6M | $62.5M | $21.8M | $8.3M | $176K | 1.01% | 3.35% | 0.79% | 4,410 |
| Q4 2024 | $67.8M | $61.1M | $22.3M | $8.1M | $746K | 1.10% | 3.22% | 0.84% | 4,443 |
| Q3 2024 | $67.4M | $60.8M | $22.9M | $8.1M | $505K | 1.00% | 3.17% | 0.88% | 4,475 |
| Q2 2024 | $68.0M | $62.4M | $23.3M | $7.7M | $268K | 0.79% | 3.04% | 0.72% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.88% | 0.60% | 64th | |
Return on equity Annualized net income ÷ equity or net worth | 7.1% | 4.1% | 71th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.52% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 4,471 |
Loan mix (Q1 2026): real estate $12.5M · commercial $0 · consumer $11.4M · securities $35.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 57.3% | 81.5% | 10th |
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.