| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.5% | +1.3% | +3.3 pts |
| Share growth (YoY) | +4.1% | +0.7% | +3.4 pts |
| Loan growth (YoY) | +14.8% | -2.4% | +17.1 pts |
| ROA | 1.55% | 0.60% | +0.9 pts |
| ROE | 10.5% | 4.1% | +6.4 pts |
ROA ranks in the 86th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $23.5M | $20.1M | $15.1M | $3.4M | $91K | 1.55% | 4.73% | 0.61% | 2,751 |
| Q4 2025 | $23.4M | $20.3M | $15.0M | $3.4M | $383K | 1.64% | 4.76% | 0.71% | 2,762 |
| Q3 2025 | $23.4M | $20.1M | $14.4M | $3.3M | $294K | 1.68% | 4.70% | 0.11% | 2,781 |
| Q2 2025 | $22.7M | $19.3M | $13.7M | $3.2M | $191K | 1.68% | 4.77% | 0.22% | 2,792 |
| Q1 2025 | $22.5M | $19.3M | $13.2M | $3.1M | $83K | 1.47% | 4.71% | 0.15% | 2,806 |
| Q4 2024 | $22.2M | $19.1M | $12.3M | $3.0M | $341K | 1.53% | 4.87% | 0.33% | 2,814 |
| Q3 2024 | $22.0M | $19.0M | $12.2M | $2.9M | $254K | 1.54% | 4.43% | 0.19% | 2,817 |
| Q2 2024 | $21.9M | $19.0M | $12.0M | $2.8M | $142K | 1.30% | 4.32% | 0.20% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.55% | 0.60% | 86th | |
Return on equity Annualized net income ÷ equity or net worth | 10.5% | 4.1% | 87th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.73% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,852 |
Loan mix (Q1 2026): real estate $422K · commercial $0 · consumer $13.1M · securities $6.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.7% | 81.5% | 28th |
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.