| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.6% | +3.9% | +3.7 pts |
| Share growth (YoY) | +7.1% | +3.3% | +3.8 pts |
| Loan growth (YoY) | +4.1% | +2.9% | +1.2 pts |
| ROA | 1.22% | 0.69% | +0.5 pts |
| ROE | 10.0% | 5.9% | +4.0 pts |
ROA ranks in the 80th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $138.4M | $121.1M | $80.2M | $16.9M | $422K | 1.22% | 3.94% | 0.07% | 10,948 |
| Q4 2025 | $134.4M | $117.4M | $80.1M | $16.5M | $1.8M | 1.33% | 4.01% | 0.16% | 10,937 |
| Q3 2025 | $130.3M | $113.8M | $79.2M | $16.1M | $1.4M | 1.38% | 4.09% | 0.17% | 10,952 |
| Q2 2025 | $129.5M | $113.5M | $78.5M | $15.5M | $828K | 1.28% | 4.02% | 0.08% | 10,981 |
| Q1 2025 | $128.6M | $113.1M | $77.1M | $15.1M | $384K | 1.20% | 3.90% | 0.22% | 10,968 |
| Q4 2024 | $124.8M | $109.7M | $77.1M | $14.7M | $1.6M | 1.32% | 3.86% | 0.34% | 10,977 |
| Q3 2024 | $122.5M | $107.6M | $77.3M | $14.3M | $1.2M | 1.31% | 3.89% | 0.25% | 11,010 |
| Q2 2024 | $122.0M | $107.7M | $75.8M | $13.8M | $760K | 1.24% | 3.80% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | K V Federal Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.22% | 0.69% | 80th | |
Return on equity Annualized net income ÷ equity or net worth | 10.0% | 5.9% | 83th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.94% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.22% |
| 11,022 |
Loan mix (Q1 2026): real estate $37.5M · commercial $0 · consumer $37.8M · securities $31.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.0% | 78.7% | 22th |
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 | K V Federal Credit Union | 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 | K V Federal Credit Union | 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 | K V Federal Credit Union | 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 | K V Federal Credit Union | 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.