| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.6% | +1.3% | +4.3 pts |
| Share growth (YoY) | +4.8% | +0.7% | +4.2 pts |
| Loan growth (YoY) | -5.8% | -2.4% | -3.4 pts |
| ROA | 1.31% | 0.60% | +0.7 pts |
| ROE | 7.6% | 4.1% | +3.5 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 | $71.7M | $58.2M | $49.8M | $12.4M | $235K | 1.31% | 4.23% | 0.10% | 3,957 |
| Q4 2025 | $70.2M | $57.0M | $51.8M | $12.1M | $1.1M | 1.50% | 4.46% | 0.01% | 3,971 |
| Q3 2025 | $68.4M | $55.7M | $52.9M | $11.8M | $733K | 1.43% | 4.55% | 0.00% | 4,006 |
| Q2 2025 | $68.7M | $56.0M | $53.6M | $11.6M | $508K | 1.48% | 4.51% | 0.07% | 4,016 |
| Q1 2025 | $67.9M | $55.6M | $52.8M | $11.3M | $258K | 1.52% | 4.43% | 0.21% | 4,027 |
| Q4 2024 | $66.5M | $54.6M | $54.0M | $11.1M | $1.2M | 1.83% | 4.49% | 0.03% | 4,033 |
| Q3 2024 | $64.6M | $53.1M | $54.8M | $10.9M | $966K | 1.99% | 4.58% | 0.00% | 4,045 |
| Q2 2024 | $64.0M | $52.7M | $54.1M | $10.5M | $605K | 1.89% | 4.57% | 0.45% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.31% | 0.60% | 80th | |
Return on equity Annualized net income ÷ equity or net worth | 7.6% | 4.1% | 73th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.23% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 4,033 |
Loan mix (Q1 2026): real estate $21.7M · commercial $2.4M · consumer $21.6M · securities $5.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.5% | 81.5% | 26th |
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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