| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.0% | +1.3% | +3.7 pts |
| Share growth (YoY) | +3.6% | +0.7% | +3.0 pts |
| Loan growth (YoY) | +9.0% | -2.4% | +11.3 pts |
| ROA | 1.67% | 0.60% | +1.1 pts |
| ROE | 13.2% | 4.1% | +9.1 pts |
ROA ranks in the 88th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $34.7M | $30.2M | $8.8M | $4.4M | $145K | 1.67% | 4.08% | 1.64% | 2,677 |
| Q4 2025 | $34.0M | $29.8M | $8.7M | $4.3M | $621K | 1.82% | 4.13% | 1.36% | 2,700 |
| Q3 2025 | $33.1M | $28.9M | $8.7M | $4.2M | $528K | 2.13% | 4.30% | 0.49% | 2,741 |
| Q2 2025 | $33.9M | $29.9M | $8.2M | $4.0M | $349K | 2.06% | 4.17% | 0.62% | 2,764 |
| Q1 2025 | $33.0M | $29.2M | $8.1M | $3.8M | $188K | 2.28% | 4.13% | 0.30% | 2,802 |
| Q4 2024 | $32.1M | $28.4M | $8.0M | $3.7M | $443K | 1.38% | 3.65% | 0.61% | 2,829 |
| Q3 2024 | $31.7M | $28.2M | $8.5M | $3.6M | $345K | 1.45% | 3.59% | 0.08% | 2,912 |
| Q2 2024 | $32.1M | $28.7M | $8.6M | $3.4M | $190K | 1.18% | 3.27% | 0.25% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.67% | 0.60% | 88th | |
Return on equity Annualized net income ÷ equity or net worth | 13.2% | 4.1% | 94th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.08% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,955 |
Loan mix (Q1 2026): real estate $2.0M · commercial $0 · consumer $6.0M · securities $22.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 60.7% | 81.5% | 13th |
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.