| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.0% | +1.3% | +1.7 pts |
| Share growth (YoY) | +1.4% | +0.7% | +0.8 pts |
| Loan growth (YoY) | +6.0% | -2.4% | +8.4 pts |
| ROA | 0.94% | 0.60% | +0.3 pts |
| ROE | 7.8% | 4.1% | +3.7 pts |
ROA ranks in the 66th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $22.4M | $19.6M | $14.6M | $2.7M | $53K | 0.94% | 4.46% | 0.56% | 1,844 |
| Q4 2025 | $22.2M | $19.5M | $14.5M | $2.6M | $411K | 1.85% | 4.37% | 0.24% | 1,841 |
| Q3 2025 | $21.7M | $19.0M | $14.1M | $2.6M | $359K | 2.20% | 4.41% | 0.16% | 1,852 |
| Q2 2025 | $21.4M | $18.7M | $13.9M | $2.5M | $292K | 2.73% | 4.44% | 0.31% | 1,842 |
| Q1 2025 | $21.8M | $19.3M | $13.8M | $2.3M | $104K | 1.90% | 4.36% | 0.70% | 1,844 |
| Q4 2024 | $20.8M | $18.4M | $14.1M | $2.2M | $200K | 0.97% | 3.97% | 0.97% | 1,842 |
| Q3 2024 | $21.0M | $18.8M | $14.3M | $2.2M | $123K | 0.78% | 3.70% | 0.54% | 1,865 |
| Q2 2024 | $20.3M | $18.1M | $13.5M | $2.1M | $64K | 0.63% | 3.72% | 0.32% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.94% | 0.60% | 66th | |
Return on equity Annualized net income ÷ equity or net worth | 7.8% | 4.1% | 75th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.46% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,876 |
Loan mix (Q1 2026): real estate $6.9M · commercial $0 · consumer $7.4M · securities $5.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.0% | 81.5% | 44th |
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.