| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.1% | +1.3% | -0.2 pts |
| Share growth (YoY) | -0.3% | +0.7% | -0.9 pts |
| Loan growth (YoY) | +22.2% | -2.4% | +24.6 pts |
| ROA | 1.18% | 0.60% | +0.6 pts |
| ROE | 6.8% | 4.1% | +2.7 pts |
ROA ranks in the 76th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $45.7M | $37.6M | $17.5M | $8.0M | $135K | 1.18% | 3.47% | 0.35% | 3,829 |
| Q4 2025 | $44.7M | $36.7M | $17.2M | $7.8M | $581K | 1.30% | 3.64% | 0.11% | 3,815 |
| Q3 2025 | $44.9M | $37.1M | $16.4M | $7.7M | $445K | 1.32% | 3.59% | 0.40% | 3,955 |
| Q2 2025 | $44.7M | $37.1M | $15.9M | $7.6M | $297K | 1.33% | 3.54% | 0.72% | 3,938 |
| Q1 2025 | $45.2M | $37.7M | $14.3M | $7.4M | $129K | 1.14% | 3.39% | 0.83% | 3,893 |
| Q4 2024 | $42.4M | $35.1M | $13.9M | $7.3M | $539K | 1.27% | 3.52% | 1.06% | 3,948 |
| Q3 2024 | $43.7M | $36.5M | $14.1M | $7.1M | $398K | 1.21% | 3.37% | 0.68% | 3,997 |
| Q2 2024 | $44.7M | $37.7M | $13.6M | $7.0M | $239K | 1.07% | 3.22% | 0.74% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.18% | 0.60% | 76th | |
Return on equity Annualized net income ÷ equity or net worth | 6.8% | 4.1% | 69th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.47% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 4,064 |
Loan mix (Q1 2026): real estate $870K · commercial $24K · consumer $16.2M · securities $18.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 72.0% | 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% |
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