| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +13.2% | +1.3% | +11.9 pts |
| Share growth (YoY) | +13.3% | +0.7% | +12.7 pts |
| Loan growth (YoY) | +11.8% | -2.4% | +14.1 pts |
| ROA | 1.00% | 0.60% | +0.4 pts |
| ROE | 8.2% | 4.1% | +4.0 pts |
ROA ranks in the 69th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $25.7M | $22.4M | $8.8M | $3.2M | $64K | 1.00% | 3.79% | 0.47% | 3,900 |
| Q4 2025 | $23.8M | $20.5M | $8.7M | $3.1M | $355K | 1.49% | 4.19% | 0.69% | 3,900 |
| Q3 2025 | $23.6M | $20.5M | $8.6M | $3.0M | $259K | 1.47% | 4.20% | 0.54% | 3,900 |
| Q2 2025 | $23.5M | $20.2M | $8.3M | $2.9M | $162K | 1.38% | 4.13% | 0.59% | 3,900 |
| Q1 2025 | $22.7M | $19.7M | $7.9M | $2.8M | $90K | 1.59% | 4.24% | 0.46% | 3,892 |
| Q4 2024 | $22.6M | $19.7M | $8.0M | $2.8M | $362K | 1.60% | 4.20% | 1.14% | 3,800 |
| Q3 2024 | $21.1M | $18.4M | $8.2M | $2.7M | $272K | 1.72% | 4.53% | 0.81% | 3,800 |
| Q2 2024 | $21.9M | $19.2M | $8.6M | $2.6M | $208K | 1.89% | 4.32% | 0.93% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.00% | 0.60% | 69th | |
Return on equity Annualized net income ÷ equity or net worth | 8.2% | 4.1% | 77th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.79% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,800 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $7.4M · securities $7.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.0% | 81.5% | 35th |
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.