| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +45.4% | +3.9% | +41.5 pts |
| Share growth (YoY) | +50.4% | +3.3% | +47.1 pts |
| Loan growth (YoY) | +94.9% | +2.9% | +92.0 pts |
| ROA | -0.41% | 0.69% | -1.1 pts |
| ROE | -4.1% | 5.9% | -10.1 pts |
ROA ranks in the 4th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $127.1M | $109.0M | $105.4M | $12.8M | $-132K | -0.41% | 4.01% | 0.61% | 13,256 |
| Q4 2025 | $119.0M | $98.6M | $98.0M | $12.9M | $-443K | -0.37% | 3.80% | 0.48% | 13,655 |
| Q3 2025 | $113.7M | $95.5M | $72.3M | $12.9M | $-415K | -0.49% | 4.37% | 0.39% | 13,230 |
| Q2 2025 | $110.7M | $93.0M | $58.3M | $12.9M | $-468K | -0.84% | 3.71% | 0.30% | 11,894 |
| Q1 2025 | $87.5M | $72.5M | $54.1M | $12.9M | $-394K | -1.80% | 3.29% | 0.14% | 10,160 |
| Q4 2024 | $66.9M | $49.7M | $52.1M | $10.3M | $-771K | -1.15% | 5.82% | 0.68% | 10,091 |
| Q3 2024 | $66.8M | $50.0M | $45.9M | $10.4M | $-712K | -1.42% | 5.74% | 0.54% | 9,855 |
| Q2 2024 | $61.3M | $46.0M | $46.8M | $8.6M | $-509K | -1.66% | 5.93% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.41% | 0.69% | 4th | |
Return on equity Annualized net income ÷ equity or net worth | -4.1% | 5.9% | 3th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.01% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.34% |
| 9,201 |
Loan mix (Q1 2026): real estate $0 · commercial $2.5M · consumer $9.4M · securities $0
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 104.5% | 78.7% | 98th |
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.