| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.3% | +1.3% | +2.0 pts |
| Share growth (YoY) | +2.8% | +0.7% | +2.1 pts |
| Loan growth (YoY) | +2.5% | -2.4% | +4.9 pts |
| ROA | 1.39% | 0.60% | +0.8 pts |
| ROE | 5.4% | 4.1% | +1.3 pts |
ROA ranks in the 82nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $38.3M | $28.1M | $15.7M | $9.9M | $133K | 1.39% | 5.62% | 1.03% | 3,851 |
| Q4 2025 | $37.1M | $27.0M | $15.6M | $9.8M | $634K | 1.71% | 5.93% | 3.57% | 3,829 |
| Q3 2025 | $36.8M | $26.7M | $15.6M | $9.7M | $536K | 1.94% | 5.95% | 2.19% | 3,781 |
| Q2 2025 | $37.1M | $27.0M | $15.5M | $9.6M | $384K | 2.07% | 5.87% | 1.80% | 3,755 |
| Q1 2025 | $37.1M | $27.3M | $15.3M | $9.3M | $164K | 1.76% | 5.76% | 0.45% | 3,697 |
| Q4 2024 | $35.7M | $26.1M | $14.5M | $9.2M | $709K | 1.98% | 6.03% | 2.11% | 3,646 |
| Q3 2024 | $34.8M | $25.6M | $14.4M | $9.0M | $525K | 2.01% | 6.19% | 2.00% | 3,608 |
| Q2 2024 | $34.2M | $25.2M | $14.2M | $8.9M | $344K | 2.01% | 6.24% | 2.14% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.39% | 0.60% | 82th | |
Return on equity Annualized net income ÷ equity or net worth | 5.4% | 4.1% | 60th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.62% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,554 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $14.4M · securities $9.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.1% | 81.5% | 41th |
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.