| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.7% | +1.3% | +5.4 pts |
| Share growth (YoY) | +6.3% | +0.7% | +5.6 pts |
| Loan growth (YoY) | +9.1% | -2.4% | +11.4 pts |
| ROA | 1.62% | 0.60% | +1.0 pts |
| ROE | 10.8% | 4.1% | +6.7 pts |
ROA ranks in the 87th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $32.0M | $27.1M | $4.8M | $4.8M | $130K | 1.62% | 3.65% | 0.71% | 1,875 |
| Q4 2025 | $31.6M | $26.8M | $4.8M | $4.7M | $432K | 1.37% | 3.63% | 0.83% | 1,886 |
| Q3 2025 | $31.3M | $26.6M | $4.7M | $4.6M | $326K | 1.39% | 3.62% | 0.75% | 1,922 |
| Q2 2025 | $30.2M | $25.6M | $4.5M | $4.4M | $210K | 1.39% | 3.63% | 0.97% | 1,945 |
| Q1 2025 | $30.0M | $25.5M | $4.4M | $4.4M | $111K | 1.48% | 3.80% | 1.03% | 1,977 |
| Q4 2024 | $29.4M | $25.0M | $4.7M | $4.2M | $625K | 2.12% | 4.28% | 1.15% | 1,998 |
| Q3 2024 | $29.8M | $25.5M | $4.8M | $4.1M | $502K | 2.25% | 4.25% | 1.42% | 2,006 |
| Q2 2024 | $29.7M | $25.5M | $4.9M | $4.0M | $338K | 2.28% | 4.23% | 1.39% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.62% | 0.60% | 87th | |
Return on equity Annualized net income ÷ equity or net worth | 10.8% | 4.1% | 87th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.65% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,033 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $4.0M · securities $13.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.4% | 81.5% | 16th |
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.