| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.6% | +1.3% | +9.3 pts |
| Share growth (YoY) | +10.5% | +0.7% | +9.8 pts |
| Loan growth (YoY) | +4.1% | -2.4% | +6.4 pts |
| ROA | 1.27% | 0.60% | +0.7 pts |
| ROE | 10.9% | 4.1% | +6.8 pts |
ROA ranks in the 79th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $22.4M | $19.8M | $8.1M | $2.6M | $71K | 1.27% | 3.24% | 0.55% | 1,292 |
| Q4 2025 | $21.6M | $18.9M | $8.3M | $2.5M | $292K | 1.36% | 3.50% | 0.16% | 1,290 |
| Q3 2025 | $20.8M | $18.2M | $7.8M | $2.5M | $212K | 1.36% | 3.60% | 0.00% | 1,274 |
| Q2 2025 | $20.2M | $17.7M | $7.9M | $2.4M | $149K | 1.48% | 3.68% | 0.05% | 1,270 |
| Q1 2025 | $20.2M | $17.9M | $7.8M | $2.3M | $60K | 1.20% | 3.62% | 0.65% | 1,289 |
| Q4 2024 | $19.8M | $17.5M | $8.1M | $2.3M | $314K | 1.59% | 3.77% | 0.40% | 1,283 |
| Q3 2024 | $19.8M | $17.6M | $8.4M | $2.2M | $236K | 1.59% | 3.76% | 0.24% | 1,288 |
| Q2 2024 | $20.9M | $18.7M | $8.9M | $2.1M | $150K | 1.44% | 3.52% | 0.00% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.27% | 0.60% | 79th | |
Return on equity Annualized net income ÷ equity or net worth | 10.9% | 4.1% | 88th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.24% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,281 |
Loan mix (Q1 2026): real estate $725K · commercial $0 · consumer $6.1M · securities $11.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.1% | 81.5% | 31th |
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% |
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