| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +68.7% | +1.3% | +67.4 pts |
| Share growth (YoY) | +64.5% | +0.7% | +63.8 pts |
| Loan growth (YoY) | +35.9% | -2.4% | +38.3 pts |
| ROA | 0.14% | 0.60% | -0.5 pts |
| ROE | 1.4% | 4.1% | -2.7 pts |
ROA ranks in the 27th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $98.1M | $91.1M | $40.9M | $9.5M | $33K | 0.14% | 2.71% | 0.26% | 5,788 |
| Q4 2025 | $97.0M | $90.0M | $40.8M | $9.5M | $-25K | -0.03% | 2.64% | 0.38% | 4,827 |
| Q3 2025 | $86.1M | $79.9M | $36.8M | $8.9M | $146K | 0.23% | 2.31% | 0.44% | 4,882 |
| Q2 2025 | $86.8M | $81.0M | $39.1M | $8.8M | $69K | 0.16% | 2.93% | 0.26% | 5,561 |
| Q1 2025 | $58.2M | $55.4M | $30.1M | $5.8M | $34K | 0.23% | 2.92% | 0.45% | 3,386 |
| Q4 2024 | $55.7M | $53.2M | $30.4M | $5.8M | $150K | 0.27% | 3.10% | 0.39% | 3,397 |
| Q3 2024 | $54.8M | $51.7M | $31.2M | $5.8M | $110K | 0.27% | 3.16% | 0.39% | 3,418 |
| Q2 2024 | $55.2M | $52.7M | $31.2M | $5.7M | $72K | 0.26% | 3.17% | 0.50% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.14% | 0.60% | 27th | |
Return on equity Annualized net income ÷ equity or net worth | 1.4% | 4.1% | 30th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.71% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,441 |
Loan mix (Q1 2026): real estate $24.5M · commercial $0 · consumer $15.7M · securities $36.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 99.6% | 81.5% | 84th |
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.