| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.0% | +1.3% | +2.7 pts |
| Share growth (YoY) | +2.7% | +0.7% | +2.1 pts |
| Loan growth (YoY) | +4.9% | -2.4% | +7.2 pts |
| ROA | 2.12% | 0.60% | +1.5 pts |
| ROE | 14.2% | 4.1% | +10.1 pts |
ROA ranks in the 95th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $18.8M | $15.9M | $10.1M | $2.8M | $99K | 2.12% | 4.74% | 0.04% | 2,581 |
| Q4 2025 | $16.8M | $14.1M | $10.7M | $2.7M | $312K | 1.86% | 5.32% | 0.05% | 2,767 |
| Q3 2025 | $17.5M | $14.8M | $11.3M | $2.7M | $276K | 2.10% | 5.08% | 0.17% | 2,782 |
| Q2 2025 | $17.8M | $15.1M | $10.7M | $2.6M | $207K | 2.33% | 4.94% | 0.54% | 2,779 |
| Q1 2025 | $18.0M | $15.5M | $9.6M | $2.5M | $102K | 2.26% | 4.84% | 0.10% | 2,757 |
| Q4 2024 | $15.7M | $13.3M | $9.8M | $2.4M | $325K | 2.07% | 5.67% | 0.06% | 2,761 |
| Q3 2024 | $16.7M | $14.3M | $10.3M | $2.3M | $293K | 2.34% | 5.37% | 0.08% | 2,748 |
| Q2 2024 | $16.8M | $14.5M | $10.4M | $2.3M | $198K | 2.36% | 5.21% | 0.04% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.12% | 0.60% | 95th | |
Return on equity Annualized net income ÷ equity or net worth | 14.2% | 4.1% | 95th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.74% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,721 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $8.8M · securities $6.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.5% | 81.5% | 17th |
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.