| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.8% | +3.9% | +4.9 pts |
| Share growth (YoY) | +10.1% | +3.3% | +6.8 pts |
| Loan growth (YoY) | +12.6% | +2.9% | +9.7 pts |
| ROA | 0.48% | 0.69% | -0.2 pts |
| ROE | 2.7% | 5.9% | -3.2 pts |
ROA ranks in the 35th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $110.9M | $91.1M | $26.3M | $19.5M | $133K | 0.48% | 1.98% | 0.00% | 3,208 |
| Q4 2025 | $105.2M | $85.6M | $26.6M | $19.4M | $507K | 0.48% | 2.18% | 0.00% | 3,218 |
| Q3 2025 | $102.2M | $82.7M | $25.3M | $19.3M | $423K | 0.55% | 2.27% | 0.00% | 3,246 |
| Q2 2025 | $102.5M | $83.1M | $25.0M | $19.2M | $276K | 0.54% | 2.24% | 0.00% | 3,270 |
| Q1 2025 | $101.9M | $82.8M | $23.3M | $19.0M | $131K | 0.51% | 2.24% | 0.00% | 3,283 |
| Q4 2024 | $101.5M | $82.5M | $22.2M | $18.9M | $894K | 0.88% | 2.46% | 0.01% | 3,314 |
| Q3 2024 | $100.7M | $81.8M | $21.5M | $18.7M | $755K | 1.00% | 2.53% | 0.01% | 3,323 |
| Q2 2024 | $101.3M | $82.4M | $20.9M | $18.5M | $521K | 1.03% | 2.52% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.48% | 0.69% | 35th | |
Return on equity Annualized net income ÷ equity or net worth | 2.7% | 5.9% | 23th | |
Net interest margin Interest income − interest expense, ÷ assets | 1.98% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.00% |
| 3,316 |
Loan mix (Q1 2026): real estate $24.0M · commercial $1.5M · consumer $709K · securities $57.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.6% | 78.7% | 42th |
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.