| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.9% | +3.9% | +2.0 pts |
| Share growth (YoY) | +5.1% | +3.3% | +1.8 pts |
| Loan growth (YoY) | +4.5% | +2.9% | +1.6 pts |
| ROA | 1.42% | 0.69% | +0.7 pts |
| ROE | 11.7% | 5.9% | +5.7 pts |
ROA ranks in the 87th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $115.5M | $100.9M | $56.2M | $14.0M | $410K | 1.42% | 3.54% | 0.15% | 10,783 |
| Q4 2025 | $111.2M | $97.1M | $56.0M | $13.6M | $1.6M | 1.45% | 3.50% | 0.51% | 10,705 |
| Q3 2025 | $111.2M | $97.5M | $57.0M | $13.3M | $1.3M | 1.56% | 3.55% | 0.29% | 10,702 |
| Q2 2025 | $110.8M | $97.4M | $55.8M | $12.8M | $820K | 1.48% | 3.47% | 0.50% | 10,624 |
| Q1 2025 | $109.0M | $96.1M | $53.8M | $12.4M | $355K | 1.30% | 3.29% | 0.40% | 10,594 |
| Q4 2024 | $106.1M | $93.3M | $54.1M | $12.0M | $1.5M | 1.37% | 3.28% | 0.64% | 11,509 |
| Q3 2024 | $103.5M | $91.2M | $54.8M | $11.7M | $1.1M | 1.48% | 3.41% | 0.73% | 10,430 |
| Q2 2024 | $102.1M | $89.7M | $54.2M | $11.3M | $766K | 1.50% | 3.42% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.42% | 0.69% | 87th | |
Return on equity Annualized net income ÷ equity or net worth | 11.7% | 5.9% | 89th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.54% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.28% |
| 10,289 |
Loan mix (Q1 2026): real estate $22.3M · commercial $751K · consumer $27.6M · securities $42.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.4% | 78.7% | 32th |
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.