| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.8% | +1.3% | +3.5 pts |
| Share growth (YoY) | +3.9% | +0.7% | +3.2 pts |
| Loan growth (YoY) | +14.4% | -2.4% | +16.7 pts |
| ROA | 1.63% | 0.60% | +1.0 pts |
| ROE | 14.4% | 4.1% | +10.3 pts |
ROA ranks in the 88th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $34.3M | $30.4M | $22.2M | $3.9M | $140K | 1.63% | 3.59% | 0.00% | 2,161 |
| Q4 2025 | $33.3M | $29.5M | $22.2M | $3.7M | $383K | 1.15% | 3.15% | 0.00% | 2,134 |
| Q3 2025 | $33.2M | $29.5M | $21.5M | $3.6M | $260K | 1.04% | 2.97% | 0.02% | 2,108 |
| Q2 2025 | $32.4M | $28.8M | $19.9M | $3.5M | $152K | 0.94% | 2.87% | 0.01% | 2,073 |
| Q1 2025 | $32.7M | $29.2M | $19.4M | $3.4M | $64K | 0.78% | 2.69% | 0.02% | 2,046 |
| Q4 2024 | $29.9M | $26.5M | $18.8M | $3.4M | $247K | 0.83% | 2.59% | 0.01% | 2,014 |
| Q3 2024 | $28.4M | $25.0M | $17.9M | $3.3M | $192K | 0.90% | 2.74% | 0.00% | 1,974 |
| Q2 2024 | $27.4M | $24.1M | $17.8M | $3.2M | $129K | 0.94% | 2.82% | 0.00% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.63% | 0.60% | 88th | |
Return on equity Annualized net income ÷ equity or net worth | 14.4% | 4.1% | 96th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.59% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,946 |
Loan mix (Q1 2026): real estate $12.2M · commercial $0 · consumer $10.0M · securities $10.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.4% | 81.5% | 17th |
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.