| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.9% | +1.3% | +3.6 pts |
| Share growth (YoY) | +5.1% | +0.7% | +4.4 pts |
| Loan growth (YoY) | +4.2% | -2.4% | +6.6 pts |
| ROA | 1.12% | 0.60% | +0.5 pts |
| ROE | 6.5% | 4.1% | +2.4 pts |
ROA ranks in the 73rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $58.9M | $48.3M | $31.5M | $10.2M | $164K | 1.12% | 3.92% | 1.23% | 4,660 |
| Q4 2025 | $58.8M | $48.1M | $28.8M | $10.0M | $501K | 0.85% | 3.97% | 1.64% | 4,694 |
| Q3 2025 | $56.9M | $46.5M | $29.4M | $10.0M | $395K | 0.92% | 4.07% | 1.95% | 4,690 |
| Q2 2025 | $57.4M | $47.1M | $29.6M | $9.9M | $301K | 1.05% | 4.06% | 0.89% | 4,697 |
| Q1 2025 | $56.2M | $45.9M | $30.2M | $9.7M | $121K | 0.86% | 4.02% | 1.31% | 4,709 |
| Q4 2024 | $54.5M | $44.6M | $31.1M | $9.6M | $737K | 1.35% | 4.26% | 2.07% | 4,717 |
| Q3 2024 | $52.7M | $42.8M | $32.0M | $9.5M | $569K | 1.44% | 4.40% | 1.83% | 4,720 |
| Q2 2024 | $53.5M | $43.8M | $31.9M | $9.3M | $363K | 1.36% | 4.32% | 1.72% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.12% | 0.60% | 73th | |
Return on equity Annualized net income ÷ equity or net worth | 6.5% | 4.1% | 67th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.92% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 4,722 |
Loan mix (Q1 2026): real estate $10.9M · commercial $73K · consumer $20.3M · securities $13.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.3% | 81.5% | 42th |
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.