| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.1% | +1.3% | +3.8 pts |
| Share growth (YoY) | +4.9% | +0.7% | +4.2 pts |
| Loan growth (YoY) | +6.2% | -2.4% | +8.5 pts |
| ROA | 1.08% | 0.60% | +0.5 pts |
| ROE | 6.6% | 4.1% | +2.5 pts |
ROA ranks in the 72nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $63.8M | $53.4M | $45.8M | $10.4M | $172K | 1.08% | 3.98% | 0.93% | 5,139 |
| Q4 2025 | $61.9M | $51.5M | $46.9M | $10.3M | $948K | 1.53% | 4.04% | 1.38% | 5,181 |
| Q3 2025 | $61.4M | $51.1M | $44.4M | $10.2M | $842K | 1.83% | 4.01% | 1.28% | 5,183 |
| Q2 2025 | $62.3M | $52.2M | $45.0M | $9.9M | $636K | 2.04% | 3.89% | 1.14% | 5,133 |
| Q1 2025 | $60.8M | $50.9M | $43.1M | $9.7M | $416K | 2.74% | 3.93% | 0.91% | 5,126 |
| Q4 2024 | $58.1M | $48.7M | $44.4M | $9.3M | $942K | 1.62% | 4.20% | 0.90% | 5,132 |
| Q3 2024 | $60.1M | $50.9M | $44.4M | $9.2M | $798K | 1.77% | 4.05% | 1.41% | 5,174 |
| Q2 2024 | $59.4M | $50.4M | $44.7M | $8.9M | $534K | 1.80% | 4.07% | 1.05% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.08% | 0.60% | 72th | |
Return on equity Annualized net income ÷ equity or net worth | 6.6% | 4.1% | 68th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.98% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 5,178 |
Loan mix (Q1 2026): real estate $0 · commercial $1.5M · consumer $39.8M · securities $3.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.5% | 81.5% | 40th |
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.