| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +22.7% | +1.3% | +21.4 pts |
| Share growth (YoY) | +21.2% | +0.7% | +20.6 pts |
| Loan growth (YoY) | +7.1% | -2.4% | +9.5 pts |
| ROA | 1.74% | 0.60% | +1.1 pts |
| ROE | 14.2% | 4.1% | +10.1 pts |
ROA ranks in the 90th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $93.9M | $81.6M | $54.0M | $11.5M | $408K | 1.74% | 4.17% | 1.22% | 9,534 |
| Q4 2025 | $95.2M | $83.0M | $55.2M | $11.1M | $1.3M | 1.41% | 3.47% | 1.13% | 9,494 |
| Q3 2025 | $78.1M | $68.3M | $48.1M | $8.9M | $953K | 1.63% | 4.13% | 0.95% | 7,825 |
| Q2 2025 | $77.1M | $67.6M | $49.5M | $8.5M | $615K | 1.60% | 4.12% | 0.72% | 7,836 |
| Q1 2025 | $76.6M | $67.4M | $50.4M | $8.2M | $302K | 1.58% | 4.01% | 1.03% | 7,808 |
| Q4 2024 | $75.0M | $65.9M | $51.0M | $7.9M | $1.2M | 1.55% | 3.92% | 0.74% | 7,716 |
| Q3 2024 | $71.3M | $62.6M | $52.2M | $7.6M | $836K | 1.56% | 4.08% | 0.97% | 7,655 |
| Q2 2024 | $70.2M | $61.8M | $53.1M | $7.3M | $560K | 1.60% | 4.08% | 0.44% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.74% | 0.60% | 90th | |
Return on equity Annualized net income ÷ equity or net worth | 14.2% | 4.1% | 95th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.17% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 7,619 |
Loan mix (Q1 2026): real estate $8.1M · commercial $0 · consumer $42.3M · securities $25.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.9% | 81.5% | 16th |
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.