| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +19.3% | +1.3% | +18.0 pts |
| Share growth (YoY) | +21.7% | +0.7% | +21.0 pts |
| Loan growth (YoY) | +15.5% | -2.4% | +17.9 pts |
| ROA | 0.78% | 0.60% | +0.2 pts |
| ROE | 5.9% | 4.1% | +1.8 pts |
ROA ranks in the 59th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $31.6M | $27.4M | $9.8M | $4.1M | $62K | 0.78% | 2.88% | 0.11% | 1,673 |
| Q4 2025 | $31.0M | $26.8M | $9.6M | $4.1M | $194K | 0.63% | 2.72% | 0.38% | 1,676 |
| Q3 2025 | $28.2M | $24.1M | $9.5M | $4.1M | $163K | 0.77% | 2.96% | 0.25% | 1,687 |
| Q2 2025 | $27.5M | $23.4M | $8.8M | $4.0M | $133K | 0.97% | 3.03% | 0.18% | 1,685 |
| Q1 2025 | $26.5M | $22.5M | $8.5M | $4.0M | $75K | 1.13% | 3.15% | 0.08% | 1,685 |
| Q4 2024 | $25.9M | $22.0M | $8.7M | $3.9M | $249K | 0.96% | 3.24% | 0.84% | 1,693 |
| Q3 2024 | $25.2M | $21.3M | $9.0M | $3.8M | $194K | 1.03% | 3.31% | 0.26% | 1,693 |
| Q2 2024 | $26.2M | $22.4M | $9.2M | $3.8M | $133K | 1.01% | 3.13% | 0.36% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.78% | 0.60% | 59th | |
Return on equity Annualized net income ÷ equity or net worth | 5.9% | 4.1% | 64th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.88% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,700 |
Loan mix (Q1 2026): real estate $270K · commercial $0 · consumer $8.3M · securities $20.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.8% | 81.5% | 32th |
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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