| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.5% | +1.3% | +10.2 pts |
| Share growth (YoY) | +10.9% | +0.7% | +10.2 pts |
| Loan growth (YoY) | -1.9% | -2.4% | +0.4 pts |
| ROA | 1.87% | 0.60% | +1.3 pts |
| ROE | 13.2% | 4.1% | +9.1 pts |
ROA ranks in the 92nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $19.4M | $16.6M | $8.8M | $2.8M | $91K | 1.87% | 3.74% | 0.69% | 1,261 |
| Q4 2025 | $18.3M | $15.5M | $8.4M | $2.7M | $317K | 1.73% | 3.99% | 1.74% | 1,247 |
| Q3 2025 | $18.5M | $15.8M | $8.8M | $2.6M | $230K | 1.66% | 3.90% | 0.60% | 1,248 |
| Q2 2025 | $17.6M | $15.1M | $8.6M | $2.5M | $155K | 1.76% | 4.00% | 0.37% | 1,247 |
| Q1 2025 | $17.4M | $15.0M | $9.0M | $2.4M | $72K | 1.66% | 3.84% | 0.37% | 1,252 |
| Q4 2024 | $17.3M | $14.7M | $9.4M | $2.3M | $189K | 1.09% | 3.58% | 0.50% | 1,256 |
| Q3 2024 | $17.0M | $14.3M | $9.1M | $2.3M | $210K | 1.65% | 3.89% | 0.33% | 1,257 |
| Q2 2024 | $16.6M | $14.3M | $7.4M | $2.3M | $153K | 1.84% | 4.03% | 0.12% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.87% | 0.60% | 92th | |
Return on equity Annualized net income ÷ equity or net worth | 13.2% | 4.1% | 94th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.74% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,239 |
Loan mix (Q1 2026): real estate $1.0M · commercial $0 · consumer $7.6M · securities $8.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 56.1% | 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.