| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.1% | +1.3% | +8.8 pts |
| Share growth (YoY) | +11.8% | +0.7% | +11.1 pts |
| Loan growth (YoY) | +3.4% | -2.4% | +5.7 pts |
| ROA | 1.33% | 0.60% | +0.7 pts |
| ROE | 6.6% | 4.1% | +2.5 pts |
ROA ranks in the 80th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $16.2M | $12.9M | $8.5M | $3.2M | $54K | 1.33% | 4.59% | 1.01% | 1,231 |
| Q4 2025 | $15.4M | $12.0M | $8.3M | $3.2M | $169K | 1.10% | 4.31% | 0.93% | 1,238 |
| Q3 2025 | $15.4M | $12.0M | $8.2M | $3.2M | $192K | 1.66% | 4.67% | 1.09% | 1,263 |
| Q2 2025 | $14.8M | $11.5M | $8.1M | $3.2M | $135K | 1.82% | 4.90% | 0.96% | 1,275 |
| Q1 2025 | $14.7M | $11.5M | $8.2M | $3.1M | $57K | 1.56% | 4.54% | 0.70% | 1,280 |
| Q4 2024 | $15.3M | $12.0M | $8.3M | $3.0M | $168K | 1.10% | 4.12% | 0.71% | 1,290 |
| Q3 2024 | $14.6M | $11.5M | $8.5M | $3.0M | $170K | 1.55% | 4.61% | 1.04% | 1,303 |
| Q2 2024 | $15.0M | $11.9M | $8.7M | $3.0M | $115K | 1.53% | 4.48% | 0.79% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.33% | 0.60% | 80th | |
Return on equity Annualized net income ÷ equity or net worth | 6.6% | 4.1% | 68th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.59% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,330 |
Loan mix (Q1 2026): real estate $3.2M · commercial $0 · consumer $4.6M · securities $4.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.9% | 81.5% | 33th |
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.