| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +39.3% | +3.9% | +35.3 pts |
| Share growth (YoY) | +40.3% | +3.3% | +37.0 pts |
| Loan growth (YoY) | +55.6% | +2.9% | +52.7 pts |
| ROA | 1.98% | 0.69% | +1.3 pts |
| ROE | 20.3% | 5.9% | +14.4 pts |
ROA ranks in the 96th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $134.6M | $125.6M | $52.1M | $13.1M | $666K | 1.98% | 3.15% | 1.02% | 11,846 |
| Q4 2025 | $96.9M | $88.6M | $33.1M | $9.6M | $188K | 0.19% | 2.69% | 0.64% | 8,327 |
| Q3 2025 | $96.3M | $88.3M | $33.4M | $9.7M | $200K | 0.28% | 2.68% | 0.42% | 8,338 |
| Q2 2025 | $95.9M | $88.7M | $33.7M | $9.6M | $115K | 0.24% | 2.58% | 0.55% | 8,349 |
| Q1 2025 | $96.7M | $89.5M | $33.5M | $9.5M | $28K | 0.11% | 2.53% | 0.12% | 8,339 |
| Q4 2024 | $94.0M | $87.6M | $34.9M | $9.5M | $15K | 0.02% | 2.36% | 0.34% | 8,359 |
| Q3 2024 | $97.9M | $90.5M | $35.8M | $9.6M | $36K | 0.05% | 2.25% | 0.26% | 8,423 |
| Q2 2024 | $94.6M | $87.8M | $37.0M | $9.6M | $39K | 0.08% | 2.31% | 0.13% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.98% | 0.69% | 96th | |
Return on equity Annualized net income ÷ equity or net worth | 20.3% | 5.9% | 99th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.15% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 8,471 |
Loan mix (Q1 2026): real estate $20.3M · commercial $0 · consumer $24.6M · securities $62.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.5% | 78.7% | 13th |
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.