| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.0% | +3.9% | +2.1 pts |
| Share growth (YoY) | +6.9% | +3.3% | +3.6 pts |
| Loan growth (YoY) | +7.5% | +2.9% | +4.6 pts |
| ROA | 0.92% | 0.69% | +0.2 pts |
| ROE | 9.0% | 5.9% | +3.0 pts |
ROA ranks in the 65th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $103.0M | $87.9M | $69.6M | $10.5M | $237K | 0.92% | 4.01% | 0.24% | 5,948 |
| Q4 2025 | $101.1M | $85.6M | $71.5M | $10.4M | $487K | 0.48% | 3.82% | 1.06% | 5,912 |
| Q3 2025 | $101.9M | $86.2M | $69.4M | $10.3M | $374K | 0.49% | 3.64% | 0.64% | 6,672 |
| Q2 2025 | $99.3M | $83.9M | $69.2M | $10.1M | $218K | 0.44% | 3.60% | 0.26% | 6,623 |
| Q1 2025 | $97.1M | $82.2M | $64.7M | $10.0M | $52K | 0.21% | 3.61% | 0.12% | 6,619 |
| Q4 2024 | $94.5M | $80.2M | $66.3M | $10.0M | $572K | 0.61% | 3.58% | 1.06% | 6,303 |
| Q3 2024 | $88.5M | $74.9M | $60.8M | $9.7M | $324K | 0.49% | 3.74% | 1.56% | 6,596 |
| Q2 2024 | $90.0M | $75.1M | $59.9M | $9.7M | $339K | 0.75% | 3.68% | 0.81% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.92% | 0.69% | 65th | |
Return on equity Annualized net income ÷ equity or net worth | 9.0% | 5.9% | 76th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.01% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 6,606 |
Loan mix (Q1 2026): real estate $30.5M · commercial $3.3M · consumer $29.7M · securities $12.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.4% | 78.7% | 53th |
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.