| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.1% | +1.3% | +3.8 pts |
| Share growth (YoY) | +4.6% | +0.7% | +3.9 pts |
| Loan growth (YoY) | +9.3% | -2.4% | +11.6 pts |
| ROA | 0.82% | 0.60% | +0.2 pts |
| ROE | 8.9% | 4.1% | +4.8 pts |
ROA ranks in the 61st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $45.4M | $41.1M | $17.3M | $4.2M | $93K | 0.82% | 3.29% | 0.31% | 3,486 |
| Q4 2025 | $44.2M | $39.9M | $17.7M | $4.1M | $364K | 0.82% | 3.34% | 0.23% | 3,497 |
| Q3 2025 | $44.3M | $40.2M | $17.5M | $4.0M | $282K | 0.85% | 3.30% | 0.16% | 3,532 |
| Q2 2025 | $47.5M | $43.5M | $17.0M | $3.9M | $184K | 0.77% | 3.01% | 0.32% | 3,552 |
| Q1 2025 | $43.2M | $39.3M | $15.9M | $3.8M | $61K | 0.56% | 2.98% | 0.26% | 3,584 |
| Q4 2024 | $42.9M | $39.1M | $16.1M | $3.7M | $358K | 0.83% | 3.13% | 0.46% | 3,634 |
| Q3 2024 | $42.3M | $38.5M | $17.3M | $3.7M | $286K | 0.90% | 3.21% | 0.25% | 3,666 |
| Q2 2024 | $42.8M | $39.0M | $17.6M | $3.6M | $194K | 0.91% | 3.21% | 0.24% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.82% | 0.60% | 61th | |
Return on equity Annualized net income ÷ equity or net worth | 8.9% | 4.1% | 80th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.29% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,694 |
Loan mix (Q1 2026): real estate $10.4M · commercial $0 · consumer $6.7M · securities $24.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.2% | 81.5% | 47th |
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.