| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.9% | +1.3% | +10.6 pts |
| Share growth (YoY) | +11.8% | +0.7% | +11.1 pts |
| Loan growth (YoY) | +4.9% | -2.4% | +7.2 pts |
| ROA | 0.99% | 0.60% | +0.4 pts |
| ROE | 12.5% | 4.1% | +8.3 pts |
ROA ranks in the 69th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $50.1M | $45.9M | $30.3M | $4.0M | $124K | 0.99% | 3.34% | 0.92% | 2,947 |
| Q4 2025 | $47.6M | $43.5M | $29.4M | $3.9M | $445K | 0.93% | 3.32% | 0.89% | 2,922 |
| Q3 2025 | $47.4M | $42.7M | $29.0M | $3.7M | $324K | 0.91% | 3.30% | 0.38% | 2,937 |
| Q2 2025 | $45.1M | $40.5M | $28.8M | $3.6M | $193K | 0.85% | 3.36% | 1.28% | 2,954 |
| Q1 2025 | $44.8M | $41.1M | $28.9M | $3.5M | $66K | 0.59% | 3.20% | 2.39% | 2,939 |
| Q4 2024 | $43.6M | $40.0M | $28.9M | $3.4M | $161K | 0.37% | 3.19% | 1.52% | 2,946 |
| Q3 2024 | $42.2M | $38.7M | $29.1M | $3.3M | $96K | 0.30% | 3.28% | 1.50% | 2,940 |
| Q2 2024 | $43.1M | $39.7M | $29.1M | $3.3M | $25K | 0.12% | 3.15% | 3.02% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.99% | 0.60% | 69th | |
Return on equity Annualized net income ÷ equity or net worth | 12.5% | 4.1% | 92th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.34% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,936 |
Loan mix (Q1 2026): real estate $23.5M · commercial $371K · consumer $5.0M · securities $15.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.4% | 81.5% | 32th |
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.