| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.4% | +1.3% | +7.1 pts |
| Share growth (YoY) | +8.7% | +0.7% | +8.0 pts |
| Loan growth (YoY) | +0.7% | -2.4% | +3.1 pts |
| ROA | 1.51% | 0.60% | +0.9 pts |
| ROE | 6.2% | 4.1% | +2.1 pts |
ROA ranks in the 85th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $14.8M | $11.2M | $8.4M | $3.6M | $56K | 1.51% | 3.86% | 0.16% | 864 |
| Q4 2025 | $14.1M | $10.6M | $8.7M | $3.5M | $262K | 1.86% | 4.07% | 0.23% | 864 |
| Q3 2025 | $13.7M | $10.2M | $8.4M | $3.5M | $192K | 1.86% | 4.15% | 0.18% | 862 |
| Q2 2025 | $13.6M | $10.1M | $8.4M | $3.4M | $126K | 1.85% | 4.16% | 0.37% | 875 |
| Q1 2025 | $13.6M | $10.3M | $8.4M | $3.3M | $49K | 1.42% | 3.99% | 0.13% | 870 |
| Q4 2024 | $13.5M | $10.2M | $8.4M | $3.3M | $380K | 2.81% | 4.71% | 0.14% | 863 |
| Q3 2024 | $13.9M | $10.7M | $7.8M | $3.2M | $284K | 2.72% | 4.66% | 0.30% | 859 |
| Q2 2024 | $13.7M | $10.6M | $7.7M | $3.1M | $177K | 2.57% | 4.68% | 0.38% | 853 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.51% | 0.60% | 85th | |
Return on equity Annualized net income ÷ equity or net worth | 6.2% | 4.1% | 65th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.86% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $3.2M · commercial $0 · consumer $5.0M · securities $4.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 57.9% | 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% |
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