| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.9% | +1.3% | +7.6 pts |
| Share growth (YoY) | +8.3% | +0.7% | +7.6 pts |
| Loan growth (YoY) | +17.4% | -2.4% | +19.7 pts |
| ROA | 1.31% | 0.60% | +0.7 pts |
| ROE | 8.1% | 4.1% | +4.0 pts |
ROA ranks in the 80th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $50.1M | $41.8M | $28.8M | $8.1M | $164K | 1.31% | 4.08% | 0.73% | 3,282 |
| Q4 2025 | $48.7M | $40.3M | $28.2M | $7.9M | $1.1M | 2.20% | 4.16% | 0.55% | 3,282 |
| Q3 2025 | $48.1M | $40.1M | $26.4M | $7.7M | $835K | 2.31% | 4.15% | 0.43% | 3,264 |
| Q2 2025 | $47.6M | $39.7M | $25.6M | $7.4M | $585K | 2.46% | 4.10% | 0.89% | 3,242 |
| Q1 2025 | $45.9M | $38.6M | $24.5M | $7.0M | $155K | 1.35% | 4.12% | 0.52% | 3,204 |
| Q4 2024 | $45.3M | $38.0M | $23.9M | $6.8M | $560K | 1.24% | 3.83% | 0.30% | 3,169 |
| Q3 2024 | $44.8M | $37.8M | $22.5M | $6.7M | $428K | 1.27% | 3.76% | 0.14% | 3,155 |
| Q2 2024 | $44.8M | $37.8M | $21.0M | $6.5M | $249K | 1.11% | 3.59% | 0.18% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.31% | 0.60% | 80th | |
Return on equity Annualized net income ÷ equity or net worth | 8.1% | 4.1% | 77th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.08% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,148 |
Loan mix (Q1 2026): real estate $11.2M · commercial $0 · consumer $15.6M · securities $15.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.6% | 81.5% | 14th |
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.