| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.2% | +1.3% | +6.9 pts |
| Share growth (YoY) | +7.6% | +0.7% | +6.9 pts |
| Loan growth (YoY) | +9.5% | -2.4% | +11.8 pts |
| ROA | 1.75% | 0.60% | +1.1 pts |
| ROE | 13.7% | 4.1% | +9.6 pts |
ROA ranks in the 90th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $18.3M | $16.0M | $9.9M | $2.3M | $80K | 1.75% | 4.63% | 0.00% | 2,564 |
| Q4 2025 | $17.9M | $15.7M | $9.8M | $2.3M | $280K | 1.56% | 4.43% | 0.00% | 2,341 |
| Q3 2025 | $17.3M | $15.1M | $10.0M | $2.2M | $218K | 1.68% | 4.62% | 0.00% | 2,191 |
| Q2 2025 | $17.0M | $14.8M | $9.4M | $2.1M | $135K | 1.59% | 4.75% | 0.02% | 2,000 |
| Q1 2025 | $17.0M | $14.9M | $9.0M | $2.1M | $97K | 2.29% | 4.81% | 0.08% | 1,968 |
| Q4 2024 | $16.8M | $14.8M | $9.1M | $2.0M | $380K | 2.27% | 4.82% | 0.09% | 1,975 |
| Q3 2024 | $17.5M | $15.5M | $9.3M | $1.9M | $292K | 2.23% | 4.56% | 0.00% | 2,055 |
| Q2 2024 | $17.0M | $15.2M | $9.5M | $1.8M | $179K | 2.11% | 4.51% | 0.00% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.75% | 0.60% | 90th | |
Return on equity Annualized net income ÷ equity or net worth | 13.7% | 4.1% | 95th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.63% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,063 |
Loan mix (Q1 2026): real estate $3.4M · commercial $0 · consumer $5.8M · securities $6.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.6% | 81.5% | 19th |
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.