| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.8% | +3.9% | +2.9 pts |
| Share growth (YoY) | +5.8% | +3.3% | +2.5 pts |
| Loan growth (YoY) | +8.8% | +2.9% | +5.9 pts |
| ROA | 1.22% | 0.69% | +0.5 pts |
| ROE | 14.4% | 5.9% | +8.4 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 | $102.3M | $91.9M | $58.3M | $8.7M | $313K | 1.22% | 4.75% | 1.48% | 9,631 |
| Q4 2025 | $94.5M | $85.3M | $57.0M | $8.4M | $816K | 0.86% | 4.98% | 1.41% | 9,539 |
| Q3 2025 | $94.8M | $85.8M | $54.3M | $8.3M | $574K | 0.81% | 4.89% | 0.92% | 9,521 |
| Q2 2025 | $93.1M | $83.9M | $54.2M | $7.9M | $149K | 0.32% | 4.87% | 0.69% | 9,472 |
| Q1 2025 | $95.8M | $86.8M | $53.6M | $7.5M | $-237K | -0.99% | 4.59% | 0.77% | 9,393 |
| Q4 2024 | $91.0M | $82.5M | $52.9M | $7.7M | $809K | 0.89% | 4.40% | 1.79% | 9,334 |
| Q3 2024 | $91.8M | $82.9M | $51.3M | $7.7M | $680K | 0.99% | 4.26% | 1.45% | 9,202 |
| Q2 2024 | $88.7M | $80.6M | $49.3M | $7.5M | $426K | 0.96% | 4.29% | 0.93% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.22% | 0.69% | 80th | |
Return on equity Annualized net income ÷ equity or net worth | 14.4% | 5.9% | 96th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.75% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 9,119 |
Loan mix (Q1 2026): real estate $6.2M · commercial $0 · consumer $48.2M · securities $28.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.7% | 78.7% | 19th |
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.