| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.7% | +1.3% | +1.4 pts |
| Share growth (YoY) | +0.1% | +0.7% | -0.5 pts |
| Loan growth (YoY) | +28.2% | -2.4% | +30.5 pts |
| ROA | 1.66% | 0.60% | +1.1 pts |
| ROE | 11.4% | 4.1% | +7.3 pts |
ROA ranks in the 88th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $54.2M | $46.2M | $23.0M | $7.9M | $226K | 1.66% | 4.10% | 0.36% | 4,789 |
| Q4 2025 | $53.7M | $45.7M | $22.8M | $7.7M | $1.2M | 2.30% | 4.24% | 0.90% | 4,862 |
| Q3 2025 | $53.6M | $46.1M | $21.4M | $7.7M | $953K | 2.37% | 4.24% | 0.95% | 4,874 |
| Q2 2025 | $53.7M | $46.7M | $20.3M | $7.2M | $474K | 1.76% | 4.17% | 0.62% | 4,892 |
| Q1 2025 | $52.8M | $46.1M | $17.9M | $6.9M | $147K | 1.11% | 4.11% | 0.50% | 4,935 |
| Q4 2024 | $52.2M | $45.7M | $17.7M | $6.7M | $1.1M | 2.02% | 4.12% | 0.69% | 4,943 |
| Q3 2024 | $51.6M | $45.4M | $17.3M | $6.7M | $752K | 1.94% | 4.14% | 1.49% | 4,971 |
| Q2 2024 | $53.4M | $47.2M | $16.0M | $6.4M | $498K | 1.87% | 3.91% | 0.71% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.66% | 0.60% | 88th | |
Return on equity Annualized net income ÷ equity or net worth | 11.4% | 4.1% | 90th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.10% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 4,983 |
Loan mix (Q1 2026): real estate $16.8M · commercial $0 · consumer $5.9M · securities $13.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.3% | 81.5% | 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 | 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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