| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +13.4% | +1.3% | +12.1 pts |
| Share growth (YoY) | +12.8% | +0.7% | +12.1 pts |
| Loan growth (YoY) | +3.6% | -2.4% | +6.0 pts |
| ROA | 1.78% | 0.60% | +1.2 pts |
| ROE | 15.7% | 4.1% | +11.6 pts |
ROA ranks in the 91st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $49.1M | $43.4M | $35.1M | $5.6M | $219K | 1.78% | 3.57% | 2.49% | 5,332 |
| Q4 2025 | $49.1M | $43.6M | $35.3M | $5.3M | $786K | 1.60% | 3.42% | 2.73% | 5,153 |
| Q3 2025 | $45.9M | $40.5M | $35.6M | $5.2M | $633K | 1.84% | 3.57% | 2.46% | 5,111 |
| Q2 2025 | $45.3M | $40.5M | $34.9M | $4.9M | $393K | 1.73% | 3.44% | 2.58% | 5,047 |
| Q1 2025 | $43.3M | $38.5M | $33.8M | $4.7M | $83K | 0.77% | 1.25% | 2.63% | 5,106 |
| Q4 2024 | $41.0M | $36.2M | $33.5M | $4.6M | $503K | 1.23% | 3.11% | 3.10% | 4,877 |
| Q3 2024 | $39.7M | $35.1M | $33.5M | $4.4M | $382K | 1.28% | 3.03% | 1.34% | 4,818 |
| Q2 2024 | $40.2M | $35.7M | $33.3M | $4.3M | $251K | 1.25% | 2.82% | 1.48% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.78% | 0.60% | 91th | |
Return on equity Annualized net income ÷ equity or net worth | 15.7% | 4.1% | 97th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.57% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 4,827 |
Loan mix (Q1 2026): real estate $1.6M · commercial $0 · consumer $29.6M · securities $6.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.5% | 81.5% | 17th |
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.