| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +14.7% | +1.3% | +13.4 pts |
| Share growth (YoY) | +15.7% | +0.7% | +15.0 pts |
| Loan growth (YoY) | +11.7% | -2.4% | +14.1 pts |
| ROA | 0.84% | 0.60% | +0.2 pts |
| ROE | 6.3% | 4.1% | +2.2 pts |
ROA ranks in the 62nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $43.2M | $37.4M | $25.8M | $5.7M | $90K | 0.84% | 2.91% | 0.71% | 2,532 |
| Q4 2025 | $42.8M | $37.1M | $25.5M | $5.6M | $529K | 1.24% | 3.14% | 0.74% | 2,522 |
| Q3 2025 | $42.3M | $36.7M | $24.9M | $5.5M | $410K | 1.29% | 3.24% | 0.85% | 2,524 |
| Q2 2025 | $39.3M | $33.7M | $24.6M | $5.4M | $313K | 1.59% | 3.66% | 0.64% | 2,501 |
| Q1 2025 | $37.6M | $32.3M | $23.1M | $5.2M | $154K | 1.63% | 3.74% | 0.52% | 2,465 |
| Q4 2024 | $36.9M | $31.8M | $22.3M | $5.1M | $712K | 1.93% | 3.90% | 0.65% | 2,441 |
| Q3 2024 | $37.0M | $31.9M | $22.7M | $4.9M | $562K | 2.03% | 3.93% | 0.77% | 2,442 |
| Q2 2024 | $36.4M | $31.5M | $21.3M | $4.8M | $389K | 2.14% | 3.98% | 0.62% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.84% | 0.60% | 62th | |
Return on equity Annualized net income ÷ equity or net worth | 6.3% | 4.1% | 66th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.91% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,438 |
Loan mix (Q1 2026): real estate $5.9M · commercial $0 · consumer $16.4M · securities $12.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 72.7% | 81.5% | 30th |
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.