| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.3% | +1.3% | +1.0 pts |
| Share growth (YoY) | +1.4% | +0.7% | +0.7 pts |
| Loan growth (YoY) | +2.9% | -2.4% | +5.3 pts |
| ROA | 0.92% | 0.60% | +0.3 pts |
| ROE | 6.9% | 4.1% | +2.8 pts |
ROA ranks in the 65th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $75.5M | $65.4M | $57.1M | $10.0M | $173K | 0.92% | 4.51% | 1.66% | 8,215 |
| Q4 2025 | $75.0M | $65.1M | $60.2M | $9.8M | $892K | 1.19% | 4.68% | 1.15% | 8,281 |
| Q3 2025 | $72.0M | $62.1M | $60.9M | $9.7M | $824K | 1.53% | 4.86% | 1.09% | 8,473 |
| Q2 2025 | $71.5M | $61.8M | $58.3M | $9.5M | $571K | 1.60% | 4.80% | 1.13% | 8,372 |
| Q1 2025 | $73.7M | $64.5M | $55.5M | $9.2M | $230K | 1.25% | 4.56% | 0.79% | 8,233 |
| Q4 2024 | $70.1M | $61.1M | $53.1M | $8.9M | $786K | 1.12% | 4.37% | 0.73% | 8,128 |
| Q3 2024 | $69.7M | $60.9M | $52.2M | $8.7M | $553K | 1.06% | 4.32% | 1.37% | 8,131 |
| Q2 2024 | $70.5M | $62.0M | $49.7M | $8.5M | $319K | 0.90% | 4.20% | 0.69% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.92% | 0.60% | 65th | |
Return on equity Annualized net income ÷ equity or net worth | 6.9% | 4.1% | 70th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.51% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 8,010 |
Loan mix (Q1 2026): real estate $19.4M · commercial $0 · consumer $35.7M · securities $5.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.5% | 81.5% | 45th |
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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