| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.6% | +1.3% | +5.3 pts |
| Share growth (YoY) | +5.8% | +0.7% | +5.2 pts |
| Loan growth (YoY) | +15.4% | -2.4% | +17.8 pts |
| ROA | 1.36% | 0.60% | +0.8 pts |
| ROE | 12.7% | 4.1% | +8.6 pts |
ROA ranks in the 81st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $26.0M | $23.2M | $12.3M | $2.8M | $89K | 1.36% | 3.98% | 0.45% | 1,829 |
| Q4 2025 | $25.2M | $22.4M | $12.7M | $2.7M | $318K | 1.26% | 4.25% | 0.50% | 1,830 |
| Q3 2025 | $25.4M | $22.7M | $12.0M | $2.7M | $263K | 1.38% | 4.19% | 1.77% | 1,833 |
| Q2 2025 | $25.6M | $22.9M | $12.1M | $2.6M | $156K | 1.22% | 4.12% | 1.41% | 1,843 |
| Q1 2025 | $24.4M | $21.9M | $10.6M | $2.5M | $51K | 0.84% | 4.04% | 1.49% | 1,831 |
| Q4 2024 | $23.8M | $21.4M | $10.9M | $2.4M | $373K | 1.57% | 4.32% | 0.90% | 1,833 |
| Q3 2024 | $23.1M | $20.8M | $11.0M | $2.4M | $296K | 1.70% | 4.44% | 1.01% | 1,841 |
| Q2 2024 | $22.8M | $20.5M | $10.9M | $2.3M | $209K | 1.83% | 4.49% | 0.95% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.36% | 0.60% | 81th | |
Return on equity Annualized net income ÷ equity or net worth | 12.7% | 4.1% | 93th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.98% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,838 |
Loan mix (Q1 2026): real estate $3.1M · commercial $0 · consumer $8.2M · securities $7.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.5% | 81.5% | 22th |
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.