| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.8% | +1.3% | +3.5 pts |
| Share growth (YoY) | +4.3% | +0.7% | +3.6 pts |
| Loan growth (YoY) | +1.2% | -2.4% | +3.6 pts |
| ROA | 1.62% | 0.60% | +1.0 pts |
| ROE | 11.6% | 4.1% | +7.5 pts |
ROA ranks in the 87th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $32.7M | $28.0M | $9.5M | $4.6M | $132K | 1.62% | 3.92% | 0.78% | 2,089 |
| Q4 2025 | $32.5M | $27.7M | $9.8M | $4.5M | $408K | 1.25% | 3.67% | 0.94% | 2,084 |
| Q3 2025 | $31.3M | $26.8M | $9.5M | $4.4M | $308K | 1.31% | 3.77% | 0.95% | 2,090 |
| Q2 2025 | $31.5M | $27.0M | $9.5M | $4.3M | $230K | 1.46% | 3.66% | 0.55% | 2,083 |
| Q1 2025 | $31.2M | $26.8M | $9.4M | $4.1M | $95K | 1.21% | 3.59% | 0.13% | 2,091 |
| Q4 2024 | $30.4M | $26.2M | $9.7M | $4.1M | $439K | 1.45% | 3.70% | 0.44% | 2,091 |
| Q3 2024 | $31.1M | $26.9M | $9.4M | $3.9M | $323K | 1.39% | 3.62% | 0.52% | 2,083 |
| Q2 2024 | $30.7M | $26.6M | $9.4M | $3.8M | $220K | 1.43% | 3.71% | 0.58% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.62% | 0.60% | 87th | |
Return on equity Annualized net income ÷ equity or net worth | 11.6% | 4.1% | 90th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.92% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,080 |
Loan mix (Q1 2026): real estate $2.4M · commercial $0 · consumer $7.1M · securities $20.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 54.2% | 81.5% | 7th |
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.