| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.1% | +3.9% | +7.2 pts |
| Share growth (YoY) | +10.3% | +3.3% | +7.0 pts |
| Loan growth (YoY) | -8.8% | +2.9% | -11.8 pts |
| ROA | 0.72% | 0.69% | +0.0 pts |
| ROE | 6.0% | 5.9% | +0.0 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 | $102.2M | $90.2M | $26.6M | $12.3M | $183K | 0.72% | 2.48% | 0.92% | 4,123 |
| Q4 2025 | $101.0M | $89.2M | $27.1M | $12.1M | $872K | 0.86% | 2.64% | 0.86% | 4,127 |
| Q3 2025 | $98.4M | $86.9M | $27.7M | $11.9M | $689K | 0.93% | 2.71% | 0.93% | 4,137 |
| Q2 2025 | $95.3M | $84.5M | $28.6M | $11.7M | $479K | 1.01% | 2.80% | 1.06% | 4,156 |
| Q1 2025 | $92.0M | $81.8M | $29.1M | $11.4M | $145K | 0.63% | 2.75% | 2.97% | 4,147 |
| Q4 2024 | $89.2M | $79.6M | $29.9M | $11.3M | $986K | 1.11% | 2.85% | 2.91% | 4,169 |
| Q3 2024 | $88.5M | $78.9M | $29.5M | $11.0M | $725K | 1.09% | 2.84% | 2.16% | 4,158 |
| Q2 2024 | $87.3M | $78.1M | $30.2M | $10.8M | $497K | 1.14% | 2.84% | 2.00% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.72% | 0.69% | 52th | |
Return on equity Annualized net income ÷ equity or net worth | 6.0% | 5.9% | 50th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.48% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 4,232 |
Loan mix (Q1 2026): real estate $16.9M · commercial $0 · consumer $9.1M · securities $56.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.5% | 78.7% | 20th |
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.