| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +28.8% | +1.3% | +27.5 pts |
| Share growth (YoY) | +19.4% | +0.7% | +18.8 pts |
| Loan growth (YoY) | +16.2% | -2.4% | +18.6 pts |
| ROA | 0.05% | 0.60% | -0.6 pts |
| ROE | 0.3% | 4.1% | -3.8 pts |
ROA ranks in the 23rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $93.3M | $80.2M | $52.4M | $12.5M | $11K | 0.05% | 3.69% | 1.69% | 6,781 |
| Q4 2025 | $91.1M | $78.0M | $52.5M | $12.5M | $143K | 0.16% | 3.70% | 1.65% | 6,857 |
| Q3 2025 | $91.0M | $77.9M | $51.2M | $12.6M | $199K | 0.29% | 3.69% | 1.57% | 6,983 |
| Q2 2025 | $92.3M | $79.1M | $51.8M | $12.4M | $40K | 0.09% | 3.58% | 1.47% | 7,083 |
| Q1 2025 | $72.4M | $67.2M | $45.1M | $5.3M | $39K | 0.21% | 3.61% | 0.51% | 6,054 |
| Q4 2024 | $71.7M | $66.2M | $46.4M | $5.3M | $-280K | -0.39% | 3.70% | 0.58% | 6,128 |
| Q3 2024 | $72.8M | $67.4M | $46.9M | $5.5M | $-97K | -0.18% | 3.63% | 0.32% | 6,162 |
| Q2 2024 | $74.1M | $68.0M | $47.8M | $5.6M | $13K | 0.03% | 3.54% | 0.27% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.05% | 0.60% | 23th | |
Return on equity Annualized net income ÷ equity or net worth | 0.3% | 4.1% | 23th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.69% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 6,200 |
Loan mix (Q1 2026): real estate $27.1M · commercial $1.8M · consumer $23.2M · securities $30.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 97.1% | 81.5% | 82th |
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.