| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.1% | +1.3% | +9.8 pts |
| Share growth (YoY) | +12.1% | +0.7% | +11.4 pts |
| Loan growth (YoY) | +2.9% | -2.4% | +5.2 pts |
| ROA | 0.71% | 0.60% | +0.1 pts |
| ROE | 4.8% | 4.1% | +0.7 pts |
ROA ranks in the 56th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $27.5M | $23.4M | $12.4M | $4.1M | $49K | 0.71% | 3.24% | 0.94% | 1,355 |
| Q4 2025 | $27.7M | $23.6M | $12.6M | $4.1M | $256K | 0.93% | 3.32% | 0.95% | 1,349 |
| Q3 2025 | $27.0M | $22.9M | $12.1M | $4.0M | $201K | 0.99% | 3.40% | 1.01% | 1,346 |
| Q2 2025 | $26.0M | $22.0M | $11.9M | $3.9M | $131K | 1.01% | 3.50% | 1.32% | 1,346 |
| Q1 2025 | $24.8M | $20.9M | $12.1M | $3.9M | $64K | 1.04% | 3.60% | 1.33% | 1,346 |
| Q4 2024 | $24.3M | $20.4M | $12.3M | $3.8M | $264K | 1.09% | 3.85% | 1.10% | 1,341 |
| Q3 2024 | $23.0M | $19.2M | $12.1M | $3.8M | $212K | 1.22% | 4.06% | 1.34% | 1,347 |
| Q2 2024 | $22.4M | $18.7M | $12.2M | $3.7M | $121K | 1.08% | 4.04% | 1.08% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.71% | 0.60% | 56th | |
Return on equity Annualized net income ÷ equity or net worth | 4.8% | 4.1% | 55th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.24% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,350 |
Loan mix (Q1 2026): real estate $5.7M · commercial $0 · consumer $6.3M · securities $14.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.6% | 81.5% | 43th |
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.