| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.4% | +1.3% | +7.1 pts |
| Share growth (YoY) | +8.5% | +0.7% | +7.8 pts |
| Loan growth (YoY) | +2.3% | -2.4% | +4.7 pts |
| ROA | 0.68% | 0.60% | +0.1 pts |
| ROE | 6.7% | 4.1% | +2.6 pts |
ROA ranks in the 54th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $32.1M | $28.9M | $25.0M | $3.2M | $54K | 0.68% | 3.06% | 0.05% | 1,977 |
| Q4 2025 | $30.2M | $27.0M | $25.2M | $3.2M | $218K | 0.72% | 3.20% | 0.02% | 1,992 |
| Q3 2025 | $29.7M | $26.5M | $24.8M | $3.2M | $182K | 0.82% | 3.19% | 0.00% | 1,994 |
| Q2 2025 | $28.7M | $25.6M | $24.7M | $3.1M | $105K | 0.73% | 3.25% | 0.00% | 2,025 |
| Q1 2025 | $29.6M | $26.6M | $24.5M | $3.0M | $39K | 0.53% | 3.07% | 0.00% | 2,022 |
| Q4 2024 | $28.9M | $25.9M | $24.4M | $3.0M | $248K | 0.86% | 3.02% | 0.05% | 2,025 |
| Q3 2024 | $28.1M | $25.2M | $23.8M | $2.9M | $183K | 0.87% | 3.07% | 0.01% | 2,017 |
| Q2 2024 | $27.8M | $24.7M | $23.4M | $2.9M | $113K | 0.81% | 3.07% | 0.01% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.68% | 0.60% | 54th | |
Return on equity Annualized net income ÷ equity or net worth | 6.7% | 4.1% | 69th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.06% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,021 |
Loan mix (Q1 2026): real estate $18.5M · commercial $0 · consumer $4.3M · securities $2.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.0% | 81.5% | 44th |
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.