| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +12.1% | +1.3% | +10.8 pts |
| Share growth (YoY) | +12.4% | +0.7% | +11.8 pts |
| Loan growth (YoY) | -1.1% | -2.4% | +1.2 pts |
| ROA | 1.11% | 0.60% | +0.5 pts |
| ROE | 9.2% | 4.1% | +5.1 pts |
ROA ranks in the 73rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $75.4M | $66.2M | $44.0M | $9.1M | $209K | 1.11% | 3.98% | 0.65% | 5,432 |
| Q4 2025 | $72.3M | $63.3M | $43.6M | $8.9M | $944K | 1.30% | 4.02% | 0.56% | 5,414 |
| Q3 2025 | $73.8M | $64.9M | $44.1M | $8.7M | $784K | 1.42% | 3.91% | 1.32% | 5,404 |
| Q2 2025 | $72.7M | $64.1M | $43.7M | $8.4M | $452K | 1.24% | 3.82% | 1.08% | 5,393 |
| Q1 2025 | $67.2M | $58.9M | $44.5M | $8.2M | $278K | 1.65% | 4.11% | 0.80% | 5,334 |
| Q4 2024 | $63.7M | $55.5M | $45.2M | $7.9M | $856K | 1.34% | 4.18% | 0.65% | 5,295 |
| Q3 2024 | $63.5M | $55.6M | $44.9M | $7.8M | $649K | 1.36% | 4.17% | 0.38% | 5,280 |
| Q2 2024 | $62.9M | $54.9M | $43.7M | $7.6M | $437K | 1.39% | 4.20% | 0.49% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.11% | 0.60% | 73th | |
Return on equity Annualized net income ÷ equity or net worth | 9.2% | 4.1% | 81th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.98% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 5,213 |
Loan mix (Q1 2026): real estate $13.8M · commercial $0 · consumer $28.8M · securities $7.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.8% | 81.5% | 15th |
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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