| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +19.6% | +1.3% | +18.3 pts |
| Share growth (YoY) | +21.4% | +0.7% | +20.8 pts |
| Loan growth (YoY) | +12.2% | -2.4% | +14.6 pts |
| ROA | 0.48% | 0.60% | -0.1 pts |
| ROE | 5.0% | 4.1% | +0.9 pts |
ROA ranks in the 44th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $73.8M | $66.5M | $54.6M | $7.0M | $88K | 0.48% | 2.21% | 0.60% | 5,413 |
| Q4 2025 | $69.4M | $62.3M | $53.5M | $6.9M | $426K | 0.61% | 2.63% | 0.83% | 5,340 |
| Q3 2025 | $67.2M | $60.1M | $55.2M | $6.8M | $369K | 0.73% | 2.76% | 0.68% | 5,309 |
| Q2 2025 | $65.5M | $58.5M | $50.4M | $6.7M | $257K | 0.78% | 2.88% | 0.64% | 5,156 |
| Q1 2025 | $61.6M | $54.8M | $48.7M | $6.6M | $137K | 0.89% | 3.11% | 0.63% | 5,078 |
| Q4 2024 | $59.4M | $52.7M | $47.0M | $6.5M | $414K | 0.70% | 2.90% | 0.56% | 5,005 |
| Q3 2024 | $58.7M | $52.1M | $45.2M | $6.4M | $293K | 0.67% | 2.83% | 0.74% | 4,919 |
| Q2 2024 | $56.7M | $50.2M | $42.5M | $6.2M | $161K | 0.57% | 2.88% | 0.81% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.48% | 0.60% | 44th | |
Return on equity Annualized net income ÷ equity or net worth | 5.0% | 4.1% | 57th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.21% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 4,844 |
Loan mix (Q1 2026): real estate $4.4M · commercial $0 · consumer $45.3M · securities $7.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 84.2% | 81.5% | 56th |
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.