| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +19.7% | +1.3% | +18.4 pts |
| Share growth (YoY) | +22.5% | +0.7% | +21.8 pts |
| Loan growth (YoY) | +18.9% | -2.4% | +21.3 pts |
| ROA | 3.76% | 0.60% | +3.2 pts |
| ROE | 18.0% | 4.1% | +13.9 pts |
ROA ranks in the 99th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $29.2M | $22.9M | $21.0M | $6.1M | $275K | 3.76% | 4.42% | 0.79% | 4,236 |
| Q4 2025 | $27.9M | $21.7M | $21.3M | $5.8M | $438K | 1.57% | 4.47% | 0.62% | 4,099 |
| Q3 2025 | $27.3M | $21.2M | $21.3M | $5.9M | $495K | 2.41% | 4.50% | 0.89% | 4,134 |
| Q2 2025 | $28.4M | $22.4M | $21.3M | $5.6M | $238K | 1.67% | 4.17% | 1.27% | 4,041 |
| Q1 2025 | $24.4M | $18.7M | $17.7M | $5.3M | $252K | 4.14% | 3.87% | 0.56% | 3,313 |
| Q4 2024 | $22.8M | $17.4M | $17.6M | $5.0M | $430K | 1.88% | 3.98% | 0.70% | 3,202 |
| Q3 2024 | $22.2M | $16.8M | $18.2M | $5.0M | $355K | 2.13% | 3.96% | 0.73% | 3,142 |
| Q2 2024 | $21.9M | $16.5M | $18.4M | $5.0M | $336K | 3.07% | 3.99% | 1.72% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 3.76% | 0.60% | 99th | |
Return on equity Annualized net income ÷ equity or net worth | 18.0% | 4.1% | 98th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.42% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,032 |
Loan mix (Q1 2026): real estate $0 · commercial $172K · consumer $17.6M · securities $115K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 55.3% | 81.5% | 8th |
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.