| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.9% | +1.3% | +1.6 pts |
| Share growth (YoY) | +2.7% | +0.7% | +2.0 pts |
| Loan growth (YoY) | +31.5% | -2.4% | +33.9 pts |
| ROA | 1.06% | 0.60% | +0.5 pts |
| ROE | 5.9% | 4.1% | +1.8 pts |
ROA ranks in the 71st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $15.7M | $12.8M | $6.2M | $2.8M | $41K | 1.06% | 3.66% | 0.00% | 1,216 |
| Q4 2025 | $15.2M | $12.4M | $6.1M | $2.8M | $147K | 0.97% | 3.39% | 0.00% | 1,219 |
| Q3 2025 | $15.2M | $12.4M | $5.6M | $2.7M | $113K | 0.99% | 3.33% | 0.00% | 1,599 |
| Q2 2025 | $15.4M | $12.6M | $5.2M | $2.7M | $63K | 0.83% | 3.19% | 0.01% | 1,695 |
| Q1 2025 | $15.2M | $12.5M | $4.7M | $2.7M | $32K | 0.83% | 3.12% | 0.54% | 1,698 |
| Q4 2024 | $15.4M | $12.7M | $4.7M | $2.6M | $116K | 0.76% | 3.09% | 0.63% | 1,707 |
| Q3 2024 | $15.5M | $12.8M | $4.8M | $2.6M | $100K | 0.86% | 3.03% | 0.10% | 1,726 |
| Q2 2024 | $15.9M | $13.2M | $5.1M | $2.6M | $64K | 0.81% | 2.87% | 0.09% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.06% | 0.60% | 71th | |
Return on equity Annualized net income ÷ equity or net worth | 5.9% | 4.1% | 63th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.66% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,739 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $4.4M · securities $7.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.4% | 81.5% | 28th |
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.