| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.7% | +1.3% | +1.4 pts |
| Share growth (YoY) | +1.8% | +0.7% | +1.1 pts |
| Loan growth (YoY) | +13.9% | -2.4% | +16.2 pts |
| ROA | 1.31% | 0.60% | +0.7 pts |
| ROE | 9.5% | 4.1% | +5.4 pts |
ROA ranks in the 80th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $98.7M | $84.1M | $46.6M | $13.5M | $323K | 1.31% | 3.77% | 1.21% | 4,956 |
| Q4 2025 | $96.4M | $82.1M | $46.4M | $13.2M | $727K | 0.75% | 3.57% | 1.30% | 5,002 |
| Q3 2025 | $95.5M | $81.4M | $44.7M | $13.0M | $467K | 0.65% | 3.52% | 1.52% | 5,032 |
| Q2 2025 | $97.0M | $83.3M | $43.2M | $12.8M | $283K | 0.58% | 3.36% | 0.72% | 5,060 |
| Q1 2025 | $96.1M | $82.6M | $41.0M | $12.6M | $94K | 0.39% | 3.28% | 0.61% | 5,085 |
| Q4 2024 | $93.6M | $80.5M | $42.0M | $12.5M | $276K | 0.29% | 3.01% | 0.48% | 5,099 |
| Q3 2024 | $91.8M | $78.8M | $41.6M | $12.4M | $196K | 0.28% | 2.99% | 0.79% | 5,136 |
| Q2 2024 | $92.6M | $79.7M | $41.1M | $12.3M | $83K | 0.18% | 2.89% | 0.77% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.31% | 0.60% | 80th | |
Return on equity Annualized net income ÷ equity or net worth | 9.5% | 4.1% | 83th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.77% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 5,169 |
Loan mix (Q1 2026): real estate $14.6M · commercial $16.7M · consumer $13.9M · securities $45.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 72.5% | 81.5% | 30th |
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.