| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.7% | +3.9% | +6.8 pts |
| Share growth (YoY) | +10.3% | +3.3% | +7.0 pts |
| Loan growth (YoY) | +3.5% | +2.9% | +0.5 pts |
| ROA | 1.01% | 0.69% | +0.3 pts |
| ROE | 11.1% | 5.9% | +5.2 pts |
ROA ranks in the 71st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $104.8M | $94.4M | $58.4M | $9.5M | $264K | 1.01% | 3.38% | 0.07% | 6,238 |
| Q4 2025 | $98.5M | $88.3M | $59.0M | $9.3M | $780K | 0.79% | 3.30% | 0.14% | 6,285 |
| Q3 2025 | $97.8M | $88.0M | $58.9M | $9.1M | $562K | 0.77% | 3.25% | 0.49% | 6,343 |
| Q2 2025 | $96.3M | $87.0M | $57.3M | $8.8M | $276K | 0.57% | 3.20% | 0.17% | 6,412 |
| Q1 2025 | $94.7M | $85.6M | $56.4M | $8.7M | $141K | 0.60% | 3.20% | 0.12% | 6,510 |
| Q4 2024 | $92.8M | $84.0M | $56.2M | $8.6M | $206K | 0.22% | 2.87% | 0.15% | 6,553 |
| Q3 2024 | $90.3M | $81.9M | $57.3M | $8.5M | $19K | 0.03% | 2.85% | 0.06% | 6,604 |
| Q2 2024 | $89.8M | $81.7M | $57.7M | $8.3M | $-118K | -0.26% | 2.76% | 0.07% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.01% | 0.69% | 71th | |
Return on equity Annualized net income ÷ equity or net worth | 11.1% | 5.9% | 87th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.38% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 6,625 |
Loan mix (Q1 2026): real estate $37.6M · commercial $0 · consumer $20.2M · securities $30.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.5% | 78.7% | 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.