| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.4% | +1.3% | +10.1 pts |
| Share growth (YoY) | +11.1% | +0.7% | +10.4 pts |
| Loan growth (YoY) | +2.7% | -2.4% | +5.1 pts |
| ROA | 1.76% | 0.60% | +1.2 pts |
| ROE | 11.2% | 4.1% | +7.0 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 | $98.6M | $82.4M | $56.3M | $15.6M | $433K | 1.76% | 3.73% | 0.16% | 5,489 |
| Q4 2025 | $93.6M | $78.1M | $57.7M | $15.1M | $1.7M | 1.86% | 4.03% | 0.15% | 5,452 |
| Q3 2025 | $92.2M | $77.1M | $57.9M | $14.7M | $1.3M | 1.92% | 4.09% | 0.11% | 5,449 |
| Q2 2025 | $91.4M | $76.4M | $56.5M | $14.3M | $902K | 1.97% | 4.09% | 0.09% | 5,417 |
| Q1 2025 | $88.6M | $74.2M | $54.8M | $13.7M | $370K | 1.67% | 3.91% | 0.01% | 5,364 |
| Q4 2024 | $84.8M | $71.0M | $53.4M | $13.4M | $1.7M | 1.99% | 3.97% | 0.01% | 5,284 |
| Q3 2024 | $83.2M | $69.9M | $52.1M | $12.9M | $1.2M | 1.94% | 3.94% | 0.02% | 5,239 |
| Q2 2024 | $83.1M | $70.1M | $49.4M | $12.5M | $789K | 1.90% | 3.84% | 0.03% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.76% | 0.60% | 90th | |
Return on equity Annualized net income ÷ equity or net worth | 11.2% | 4.1% | 89th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.73% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 5,205 |
Loan mix (Q1 2026): real estate $17.9M · commercial $216K · consumer $34.0M · securities $19.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 58.1% | 81.5% | 10th |
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.