| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.1% | +1.3% | +5.8 pts |
| Share growth (YoY) | +6.5% | +0.7% | +5.8 pts |
| Loan growth (YoY) | +16.9% | -2.4% | +19.3 pts |
| ROA | 2.34% | 0.60% | +1.7 pts |
| ROE | 8.1% | 4.1% | +4.0 pts |
ROA ranks in the 96th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $13.8M | $9.6M | $10.2M | $4.0M | $81K | 2.34% | 4.45% | 0.20% | 1,589 |
| Q4 2025 | $13.5M | $9.4M | $9.7M | $3.9M | $289K | 2.14% | 4.08% | 0.20% | 1,582 |
| Q3 2025 | $13.4M | $9.5M | $9.5M | $3.8M | $205K | 2.03% | 3.98% | 0.23% | 1,564 |
| Q2 2025 | $13.2M | $9.3M | $9.0M | $3.8M | $125K | 1.89% | 3.92% | 0.46% | 1,557 |
| Q1 2025 | $12.9M | $9.1M | $8.7M | $3.7M | $55K | 1.70% | 3.98% | 0.34% | 1,550 |
| Q4 2024 | $12.6M | $8.9M | $8.6M | $3.6M | $255K | 2.02% | 3.78% | 0.30% | 1,543 |
| Q3 2024 | $12.2M | $8.6M | $8.6M | $3.6M | $184K | 2.00% | 3.83% | 0.54% | 1,523 |
| Q2 2024 | $12.2M | $8.6M | $8.7M | $3.5M | $119K | 1.94% | 3.75% | 0.30% | 1,516 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.34% | 0.60% | 96th | |
Return on equity Annualized net income ÷ equity or net worth | 8.1% | 4.1% | 77th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.45% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $8.2M · securities $2.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 44.6% | 81.5% | 3th |
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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