| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +14.7% | +1.3% | +13.4 pts |
| Share growth (YoY) | +14.4% | +0.7% | +13.8 pts |
| Loan growth (YoY) | +0.9% | -2.4% | +3.3 pts |
| ROA | 1.96% | 0.60% | +1.4 pts |
| ROE | 13.0% | 4.1% | +8.9 pts |
ROA ranks in the 93rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $15.3M | $12.9M | $7.8M | $2.3M | $75K | 1.96% | 3.40% | 0.07% | 1,644 |
| Q4 2025 | $14.3M | $12.0M | $7.7M | $2.2M | $286K | 2.00% | 3.40% | 0.08% | 1,594 |
| Q3 2025 | $13.9M | $11.7M | $7.6M | $2.2M | $217K | 2.08% | 3.39% | 0.18% | 1,541 |
| Q2 2025 | $13.6M | $11.5M | $7.5M | $2.1M | $143K | 2.10% | 3.36% | 0.18% | 1,503 |
| Q1 2025 | $13.3M | $11.3M | $7.7M | $2.0M | $58K | 1.74% | 3.24% | 0.00% | 1,512 |
| Q4 2024 | $13.0M | $11.0M | $8.0M | $1.9M | $183K | 1.41% | 2.89% | 0.13% | 1,465 |
| Q3 2024 | $13.8M | $11.3M | $8.3M | $1.9M | $110K | 1.07% | 2.49% | 0.09% | 1,439 |
| Q2 2024 | $14.0M | $11.3M | $8.0M | $1.8M | $65K | 0.93% | 2.31% | 0.07% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.96% | 0.60% | 93th | |
Return on equity Annualized net income ÷ equity or net worth | 13.0% | 4.1% | 93th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.40% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,427 |
Loan mix (Q1 2026): real estate $1.9M · commercial $0 · consumer $5.8M · securities $6.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 41.6% | 81.5% | 2th |
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.