| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.5% | +1.3% | +1.2 pts |
| Share growth (YoY) | +2.0% | +0.7% | +1.3 pts |
| Loan growth (YoY) | +6.1% | -2.4% | +8.4 pts |
| ROA | 1.62% | 0.60% | +1.0 pts |
| ROE | 12.5% | 4.1% | +8.4 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 | $55.8M | $48.4M | $16.8M | $7.2M | $226K | 1.62% | 3.50% | 0.37% | 1,954 |
| Q4 2025 | $53.9M | $46.7M | $16.5M | $7.0M | $310K | 0.57% | 3.51% | 0.44% | 1,946 |
| Q3 2025 | $54.9M | $47.7M | $16.3M | $6.9M | $216K | 0.52% | 3.43% | 0.40% | 2,015 |
| Q2 2025 | $55.0M | $47.9M | $16.2M | $6.8M | $175K | 0.63% | 3.35% | 0.40% | 1,953 |
| Q1 2025 | $54.5M | $47.5M | $15.9M | $6.8M | $90K | 0.66% | 3.38% | 0.21% | 2,038 |
| Q4 2024 | $54.9M | $48.0M | $16.3M | $6.7M | $239K | 0.44% | 3.33% | 0.25% | 1,959 |
| Q3 2024 | $53.1M | $46.2M | $16.0M | $6.6M | $173K | 0.43% | 3.41% | 0.20% | 1,937 |
| Q2 2024 | $53.9M | $47.1M | $15.7M | $6.5M | $75K | 0.28% | 3.28% | 0.35% |
| 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 | 12.5% | 4.1% | 92th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.50% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,955 |
Loan mix (Q1 2026): real estate $10.7M · commercial $0 · consumer $5.8M · securities $36.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.7% | 81.5% | 14th |
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.