| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.3% | +1.3% | +10.0 pts |
| Share growth (YoY) | +11.7% | +0.7% | +11.1 pts |
| Loan growth (YoY) | +6.3% | -2.4% | +8.7 pts |
| ROA | 2.48% | 0.60% | +1.9 pts |
| ROE | 21.5% | 4.1% | +17.4 pts |
ROA ranks in the 97th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $69.4M | $59.8M | $53.8M | $8.0M | $431K | 2.48% | 5.24% | 0.13% | 6,181 |
| Q4 2025 | $69.4M | $60.2M | $52.9M | $7.6M | $1.2M | 1.79% | 5.13% | 0.96% | 6,123 |
| Q3 2025 | $67.0M | $57.9M | $52.4M | $7.2M | $892K | 1.78% | 5.25% | 0.90% | 6,050 |
| Q2 2025 | $64.4M | $55.6M | $52.2M | $8.6M | $668K | 2.07% | 5.33% | 0.99% | 5,991 |
| Q1 2025 | $62.4M | $53.5M | $50.6M | $6.8M | $421K | 2.70% | 5.38% | 0.15% | 5,950 |
| Q4 2024 | $59.8M | $51.3M | $48.0M | $6.4M | $1.1M | 1.86% | 5.15% | 1.06% | 5,865 |
| Q3 2024 | $58.3M | $49.8M | $46.2M | $6.1M | $895K | 2.05% | 5.17% | 0.93% | 5,817 |
| Q2 2024 | $58.1M | $49.7M | $45.1M | $5.9M | $634K | 2.18% | 5.03% | 0.04% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.48% | 0.60% | 97th | |
Return on equity Annualized net income ÷ equity or net worth | 21.5% | 4.1% | 98th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.24% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 5,764 |
Loan mix (Q1 2026): real estate $20.5M · commercial $0 · consumer $27.7M · securities $182K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.8% | 81.5% | 22th |
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% |
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