| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.5% | +1.3% | +3.2 pts |
| Share growth (YoY) | +4.3% | +0.7% | +3.6 pts |
| Loan growth (YoY) | +10.2% | -2.4% | +12.6 pts |
| ROA | 1.43% | 0.60% | +0.8 pts |
| ROE | 9.6% | 4.1% | +5.5 pts |
ROA ranks in the 83rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $40.6M | $34.3M | $33.9M | $6.0M | $145K | 1.43% | 2.27% | 0.00% | 599 |
| Q4 2025 | $39.5M | $33.2M | $32.6M | $5.9M | $431K | 1.09% | 2.09% | 0.00% | 600 |
| Q3 2025 | $39.1M | $33.0M | $32.0M | $5.8M | $309K | 1.05% | 2.06% | 0.00% | 599 |
| Q2 2025 | $39.5M | $33.4M | $32.3M | $5.7M | $190K | 0.96% | 2.02% | 0.00% | 595 |
| Q1 2025 | $38.8M | $32.8M | $30.8M | $5.6M | $85K | 0.87% | 1.91% | 0.00% | 584 |
| Q4 2024 | $38.1M | $32.2M | $29.9M | $5.5M | $271K | 0.71% | 1.61% | 0.00% | 579 |
| Q3 2024 | $39.2M | $33.4M | $30.0M | $5.4M | $180K | 0.61% | 1.46% | 0.00% | 577 |
| Q2 2024 | $38.3M | $32.6M | $29.9M | $5.3M | $108K | 0.56% | 1.48% | 0.00% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.43% | 0.60% | 83th | |
Return on equity Annualized net income ÷ equity or net worth | 9.6% | 4.1% | 83th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.27% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 570 |
Loan mix (Q1 2026): real estate $27.8M · commercial $5.8M · consumer $0 · securities $2.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 42.3% | 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% |
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