| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +14.9% | +1.3% | +13.6 pts |
| Share growth (YoY) | +15.2% | +0.7% | +14.6 pts |
| Loan growth (YoY) | +4.8% | -2.4% | +7.1 pts |
| ROA | 1.43% | 0.60% | +0.8 pts |
| ROE | 9.9% | 4.1% | +5.8 pts |
ROA ranks in the 83rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $25.2M | $21.4M | $8.4M | $3.6M | $90K | 1.43% | 3.22% | 0.02% | 2,510 |
| Q4 2025 | $24.4M | $20.7M | $8.2M | $3.5M | $381K | 1.56% | 3.47% | 0.00% | 2,477 |
| Q3 2025 | $23.3M | $19.7M | $8.2M | $3.5M | $314K | 1.80% | 3.66% | 0.01% | 2,469 |
| Q2 2025 | $23.9M | $20.4M | $8.4M | $3.3M | $196K | 1.64% | 3.54% | 0.00% | 2,445 |
| Q1 2025 | $21.9M | $18.5M | $8.0M | $3.2M | $93K | 1.69% | 3.77% | 0.00% | 2,437 |
| Q4 2024 | $21.3M | $18.1M | $8.1M | $3.2M | $436K | 2.05% | 4.11% | 0.00% | 2,425 |
| Q3 2024 | $20.4M | $17.2M | $8.3M | $3.1M | $343K | 2.24% | 4.26% | 0.11% | 2,425 |
| Q2 2024 | $20.9M | $17.9M | $8.7M | $2.9M | $209K | 2.01% | 3.98% | 0.12% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.43% | 0.60% | 83th | |
Return on equity Annualized net income ÷ equity or net worth | 9.9% | 4.1% | 84th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.22% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,419 |
Loan mix (Q1 2026): real estate $735K · commercial $0 · consumer $6.9M · securities $7.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 60.4% | 81.5% | 12th |
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.