| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.1% | +1.3% | +8.8 pts |
| Share growth (YoY) | +9.6% | +0.7% | +8.9 pts |
| Loan growth (YoY) | +9.9% | -2.4% | +12.3 pts |
| ROA | 0.65% | 0.60% | +0.0 pts |
| ROE | 3.7% | 4.1% | -0.4 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 | $36.5M | $31.3M | $11.4M | $6.4M | $59K | 0.65% | 2.24% | 0.00% | 1,267 |
| Q4 2025 | $35.6M | $30.4M | $11.6M | $6.4M | $210K | 0.59% | 2.05% | 0.00% | 1,278 |
| Q3 2025 | $35.0M | $29.9M | $11.7M | $6.3M | $150K | 0.57% | 2.00% | 0.00% | 1,290 |
| Q2 2025 | $34.4M | $29.6M | $11.2M | $6.2M | $81K | 0.47% | 1.95% | 0.07% | 1,310 |
| Q1 2025 | $33.2M | $28.5M | $10.4M | $6.2M | $38K | 0.46% | 1.93% | 0.00% | 1,325 |
| Q4 2024 | $31.7M | $27.4M | $9.7M | $6.1M | $207K | 0.65% | 2.27% | 0.06% | 1,344 |
| Q3 2024 | $32.2M | $27.4M | $10.2M | $6.1M | $159K | 0.66% | 2.23% | 0.03% | 1,355 |
| Q2 2024 | $32.1M | $27.9M | $10.3M | $6.0M | $105K | 0.65% | 2.30% | 0.00% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.65% | 0.60% | 52th | |
Return on equity Annualized net income ÷ equity or net worth | 3.7% | 4.1% | 47th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.24% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,374 |
Loan mix (Q1 2026): real estate $3.3M · commercial $6.7M · consumer $1.2M · securities $22.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.7% | 81.5% | 28th |
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.