| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.9% | +1.3% | +7.6 pts |
| Share growth (YoY) | +9.6% | +0.7% | +8.9 pts |
| Loan growth (YoY) | +23.4% | -2.4% | +25.7 pts |
| ROA | 1.34% | 0.60% | +0.7 pts |
| ROE | 13.1% | 4.1% | +9.0 pts |
ROA ranks in the 81st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $18.3M | $16.3M | $11.7M | $1.9M | $61K | 1.34% | 3.94% | 0.04% | 2,108 |
| Q4 2025 | $16.7M | $14.8M | $11.5M | $1.8M | $155K | 0.93% | 4.21% | 0.09% | 2,188 |
| Q3 2025 | $17.0M | $15.1M | $11.3M | $1.8M | $115K | 0.90% | 4.06% | 0.04% | 2,000 |
| Q2 2025 | $16.4M | $14.5M | $10.5M | $1.7M | $77K | 0.94% | 4.04% | 0.20% | 1,979 |
| Q1 2025 | $16.8M | $14.9M | $9.5M | $1.7M | $-56K | -1.34% | 3.75% | 0.00% | 1,976 |
| Q4 2024 | $15.6M | $13.8M | $8.5M | $1.7M | $198K | 1.27% | 4.23% | 0.00% | 2,212 |
| Q3 2024 | $16.1M | $14.3M | $8.4M | $1.6M | $70K | 0.58% | 4.11% | 0.02% | 2,006 |
| Q2 2024 | $16.7M | $14.9M | $8.2M | $1.6M | $98K | 1.17% | 3.95% | 0.21% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.34% | 0.60% | 81th | |
Return on equity Annualized net income ÷ equity or net worth | 13.1% | 4.1% | 93th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.94% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,039 |
Loan mix (Q1 2026): real estate $1.3M · commercial $0 · consumer $9.9M · securities $3.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.1% | 81.5% | 39th |
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.