| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +13.1% | +1.3% | +11.8 pts |
| Share growth (YoY) | +12.9% | +0.7% | +12.3 pts |
| Loan growth (YoY) | +4.4% | -2.4% | +6.7 pts |
| ROA | 2.33% | 0.60% | +1.7 pts |
| ROE | 11.8% | 4.1% | +7.7 pts |
ROA ranks in the 96th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $81.3M | $65.2M | $44.3M | $16.0M | $473K | 2.33% | 3.82% | 0.24% | 6,268 |
| Q4 2025 | $79.0M | $64.6M | $43.3M | $15.6M | $1.6M | 1.98% | 3.89% | 0.32% | 6,264 |
| Q3 2025 | $72.7M | $57.6M | $43.7M | $15.1M | $1.1M | 2.03% | 4.19% | 0.33% | 6,231 |
| Q2 2025 | $70.9M | $56.2M | $43.1M | $14.7M | $720K | 2.03% | 4.19% | 0.44% | 6,204 |
| Q1 2025 | $71.9M | $57.8M | $42.4M | $14.3M | $317K | 1.76% | 4.06% | 0.25% | 6,178 |
| Q4 2024 | $68.1M | $54.3M | $42.0M | $14.0M | $1.3M | 1.85% | 3.86% | 0.60% | 6,154 |
| Q3 2024 | $67.8M | $54.1M | $41.8M | $13.7M | $951K | 1.87% | 3.78% | 1.10% | 6,145 |
| Q2 2024 | $66.5M | $53.3M | $42.2M | $13.3M | $566K | 1.70% | 3.69% | 1.01% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.33% | 0.60% | 96th | |
Return on equity Annualized net income ÷ equity or net worth | 11.8% | 4.1% | 91th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.82% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 6,150 |
Loan mix (Q1 2026): real estate $17.6M · commercial $93K · consumer $22.1M · securities $24.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 58.0% | 81.5% | 10th |
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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