| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.6% | +1.3% | +7.3 pts |
| Share growth (YoY) | +8.3% | +0.7% | +7.6 pts |
| Loan growth (YoY) | +19.2% | -2.4% | +21.5 pts |
| ROA | 1.02% | 0.60% | +0.4 pts |
| ROE | 12.8% | 4.1% | +8.7 pts |
ROA ranks in the 70th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $40.3M | $36.9M | $23.0M | $3.2M | $102K | 1.02% | 4.06% | 1.26% | 3,449 |
| Q4 2025 | $39.8M | $36.4M | $22.2M | $3.1M | $307K | 0.77% | 3.49% | 2.21% | 3,448 |
| Q3 2025 | $37.0M | $33.7M | $20.8M | $3.0M | $222K | 0.80% | 3.69% | 1.17% | 3,459 |
| Q2 2025 | $36.7M | $33.6M | $20.1M | $2.9M | $132K | 0.72% | 3.58% | 1.88% | 3,432 |
| Q1 2025 | $37.1M | $34.1M | $19.3M | $2.9M | $48K | 0.52% | 3.41% | 2.33% | 3,446 |
| Q4 2024 | $35.5M | $32.5M | $19.3M | $2.8M | $400K | 1.13% | 3.49% | 2.08% | 3,450 |
| Q3 2024 | $36.6M | $33.6M | $18.9M | $2.8M | $342K | 1.25% | 3.39% | 1.33% | 3,534 |
| Q2 2024 | $36.8M | $34.0M | $18.8M | $2.7M | $248K | 1.35% | 3.28% | 1.28% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.02% | 0.60% | 70th | |
Return on equity Annualized net income ÷ equity or net worth | 12.8% | 4.1% | 93th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.06% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,509 |
Loan mix (Q1 2026): real estate $9.7M · commercial $3.9M · consumer $6.4M · securities $12.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 68.1% | 81.5% | 23th |
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.