| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.2% | +1.3% | +4.9 pts |
| Share growth (YoY) | +6.4% | +0.7% | +5.8 pts |
| Loan growth (YoY) | +1.0% | -2.4% | +3.4 pts |
| ROA | 0.66% | 0.60% | +0.1 pts |
| ROE | 5.6% | 4.1% | +1.5 pts |
ROA ranks in the 52nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $31.7M | $27.9M | $11.6M | $3.7M | $52K | 0.66% | 4.19% | 0.25% | 2,936 |
| Q4 2025 | $30.7M | $26.9M | $11.5M | $3.7M | $297K | 0.97% | 4.10% | 0.35% | 2,929 |
| Q3 2025 | $30.3M | $26.6M | $11.3M | $3.6M | $262K | 1.15% | 4.06% | 0.11% | 2,920 |
| Q2 2025 | $30.3M | $26.6M | $11.3M | $3.6M | $193K | 1.27% | 4.03% | 0.25% | 2,923 |
| Q1 2025 | $29.9M | $26.2M | $11.5M | $3.4M | $51K | 0.68% | 4.08% | 0.28% | 2,928 |
| Q4 2024 | $28.9M | $25.5M | $11.7M | $3.4M | $220K | 0.76% | 4.11% | 0.33% | 2,933 |
| Q3 2024 | $29.7M | $26.2M | $11.8M | $3.3M | $92K | 0.41% | 3.73% | 0.29% | 2,961 |
| Q2 2024 | $29.0M | $25.5M | $11.4M | $3.2M | $85K | 0.59% | 3.79% | 0.29% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.66% | 0.60% | 52th | |
Return on equity Annualized net income ÷ equity or net worth | 5.6% | 4.1% | 61th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.19% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,976 |
Loan mix (Q1 2026): real estate $4.1M · commercial $0 · consumer $7.2M · securities $16.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.6% | 81.5% | 53th |
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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