| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.8% | +1.3% | +4.5 pts |
| Share growth (YoY) | +5.2% | +0.7% | +4.6 pts |
| Loan growth (YoY) | +20.5% | -2.4% | +22.8 pts |
| ROA | 1.23% | 0.60% | +0.6 pts |
| ROE | 10.6% | 4.1% | +6.5 pts |
ROA ranks in the 78th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $37.7M | $33.2M | $5.4M | $4.4M | $116K | 1.23% | 3.12% | 0.71% | 2,062 |
| Q4 2025 | $36.4M | $32.1M | $5.2M | $4.3M | $286K | 0.79% | 2.74% | 0.97% | 2,041 |
| Q3 2025 | $36.1M | $31.8M | $4.9M | $4.2M | $207K | 0.76% | 2.75% | 0.50% | 2,032 |
| Q2 2025 | $36.0M | $31.9M | $4.5M | $4.1M | $99K | 0.55% | 2.64% | 0.39% | 1,991 |
| Q1 2025 | $35.6M | $31.6M | $4.4M | $4.0M | $53K | 0.59% | 2.58% | 0.47% | 1,989 |
| Q4 2024 | $35.5M | $31.4M | $4.3M | $4.0M | $157K | 0.44% | 2.28% | 0.86% | 1,971 |
| Q3 2024 | $35.4M | $31.4M | $4.1M | $3.9M | $110K | 0.42% | 2.27% | 0.61% | 1,945 |
| Q2 2024 | $35.0M | $31.0M | $3.8M | $3.9M | $78K | 0.45% | 2.27% | 0.87% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.23% | 0.60% | 78th | |
Return on equity Annualized net income ÷ equity or net worth | 10.6% | 4.1% | 87th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.12% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,928 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $5.0M · securities $29.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 58.8% | 81.5% | 11th |
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.