| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.5% | +1.3% | +2.2 pts |
| Share growth (YoY) | +2.1% | +0.7% | +1.5 pts |
| Loan growth (YoY) | +1.4% | -2.4% | +3.8 pts |
| ROA | 1.81% | 0.60% | +1.2 pts |
| ROE | 10.9% | 4.1% | +6.8 pts |
ROA ranks in the 91st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $86.5M | $71.9M | $21.0M | $14.4M | $392K | 1.81% | 4.09% | 0.13% | 5,412 |
| Q4 2025 | $84.4M | $70.0M | $21.5M | $14.0M | $1.5M | 1.76% | 4.03% | 0.21% | 5,441 |
| Q3 2025 | $83.2M | $69.2M | $22.1M | $13.7M | $1.2M | 1.87% | 4.19% | 0.25% | 5,497 |
| Q2 2025 | $83.1M | $69.5M | $21.5M | $13.3M | $777K | 1.87% | 4.13% | 0.23% | 5,498 |
| Q1 2025 | $83.6M | $70.4M | $20.7M | $12.9M | $358K | 1.71% | 3.98% | 0.29% | 5,545 |
| Q4 2024 | $81.0M | $68.2M | $21.8M | $12.5M | $1.2M | 1.46% | 3.56% | 0.25% | 5,553 |
| Q3 2024 | $81.0M | $68.4M | $20.8M | $12.3M | $981K | 1.62% | 3.62% | 0.07% | 5,580 |
| Q2 2024 | $81.3M | $68.8M | $21.2M | $12.0M | $656K | 1.61% | 3.55% | 0.27% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.81% | 0.60% | 91th | |
Return on equity Annualized net income ÷ equity or net worth | 10.9% | 4.1% | 88th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.09% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 5,586 |
Loan mix (Q1 2026): real estate $11.6M · commercial $0 · consumer $8.3M · securities $55.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.1% | 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% |
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