| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +55.1% | +1.3% | +53.8 pts |
| Share growth (YoY) | +180.8% | +0.7% | +180.2 pts |
| Loan growth (YoY) | +69.7% | -2.4% | +72.0 pts |
| ROA | 10.04% | 0.60% | +9.4 pts |
| ROE | 69.3% | 4.1% | +65.2 pts |
ROA ranks in the 100th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $42.7M | $21.2M | $5.6M | $6.2M | $1.1M | 10.04% | 1.85% | 1.26% | 1,802 |
| Q4 2025 | $35.3M | $15.4M | $4.3M | $5.1M | $406K | 1.15% | 2.69% | 0.57% | 1,591 |
| Q3 2025 | $32.8M | $13.1M | $3.7M | $5.0M | $331K | 1.35% | 2.96% | 1.33% | 1,434 |
| Q2 2025 | $31.2M | $11.4M | $3.4M | $5.1M | $403K | 2.58% | 3.17% | 1.33% | 1,252 |
| Q1 2025 | $27.5M | $7.5M | $3.3M | $5.3M | $560K | 8.14% | 3.65% | 1.11% | 1,172 |
| Q4 2024 | $25.8M | $6.5M | $3.3M | $4.7M | $790K | 3.06% | 1.64% | 1.75% | 1,042 |
| Q3 2024 | $10.8M | $6.4M | $3.2M | $4.1M | $131K | 1.61% | 3.68% | 2.29% | 917 |
| Q2 2024 | $10.2M | $5.4M | $2.6M | $3.9M | $12K | 0.24% | 3.68% | 3.42% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 10.04% | 0.60% | 100th | |
Return on equity Annualized net income ÷ equity or net worth | 69.3% | 4.1% | 100th | |
Net interest margin Interest income − interest expense, ÷ assets | 1.85% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 785 |
Loan mix (Q1 2026): real estate $4.1M · commercial $0 · consumer $1.5M · securities $0
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 46.4% | 81.5% | 3th |
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.