| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.9% | +1.3% | +9.6 pts |
| Share growth (YoY) | +12.1% | +0.7% | +11.5 pts |
| Loan growth (YoY) | +2.7% | -2.4% | +5.1 pts |
| ROA | 0.80% | 0.60% | +0.2 pts |
| ROE | 9.3% | 4.1% | +5.2 pts |
ROA ranks in the 60th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $86.2M | $77.6M | $52.5M | $7.4M | $172K | 0.80% | 4.26% | 0.30% | 4,900 |
| Q4 2025 | $85.8M | $77.6M | $50.4M | $7.2M | $1.2M | 1.40% | 4.38% | 0.35% | 4,855 |
| Q3 2025 | $75.0M | $66.6M | $53.3M | $7.1M | $1.2M | 2.11% | 5.03% | 0.46% | 4,858 |
| Q2 2025 | $75.8M | $67.6M | $51.9M | $6.8M | $800K | 2.11% | 4.88% | 0.40% | 4,780 |
| Q1 2025 | $77.7M | $69.2M | $51.1M | $6.5M | $431K | 2.22% | 4.67% | 0.28% | 4,753 |
| Q4 2024 | $77.0M | $69.1M | $50.7M | $6.0M | $872K | 1.13% | 4.05% | 1.16% | 4,791 |
| Q3 2024 | $73.1M | $65.4M | $52.4M | $5.9M | $782K | 1.43% | 4.26% | 0.33% | 4,800 |
| Q2 2024 | $71.8M | $64.4M | $52.0M | $5.6M | $435K | 1.21% | 4.12% | 0.31% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.80% | 0.60% | 60th | |
Return on equity Annualized net income ÷ equity or net worth | 9.3% | 4.1% | 82th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.26% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 4,816 |
Loan mix (Q1 2026): real estate $7.1M · commercial $12.1M · consumer $27.2M · securities $23.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 81.4% | 81.5% | 50th |
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.