| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.8% | +1.3% | +9.4 pts |
| Share growth (YoY) | +10.8% | +0.7% | +10.2 pts |
| Loan growth (YoY) | +3.3% | -2.4% | +5.6 pts |
| ROA | 1.10% | 0.60% | +0.5 pts |
| ROE | 12.0% | 4.1% | +7.9 pts |
ROA ranks in the 73rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $28.0M | $25.3M | $18.6M | $2.6M | $77K | 1.10% | 3.26% | 2.07% | 2,429 |
| Q4 2025 | $27.9M | $25.3M | $18.5M | $2.5M | $231K | 0.83% | 3.31% | 2.25% | 2,528 |
| Q3 2025 | $26.5M | $24.0M | $18.2M | $2.5M | $216K | 1.09% | 3.52% | 1.86% | 2,501 |
| Q2 2025 | $26.0M | $23.5M | $18.2M | $2.4M | $139K | 1.07% | 3.45% | 2.25% | 2,480 |
| Q1 2025 | $25.3M | $22.9M | $18.0M | $2.3M | $64K | 1.02% | 3.49% | 2.95% | 2,487 |
| Q4 2024 | $24.8M | $22.5M | $18.1M | $2.3M | $239K | 0.96% | 3.60% | 2.16% | 2,464 |
| Q3 2024 | $24.4M | $22.1M | $18.4M | $2.3M | $172K | 0.94% | 3.65% | 2.26% | 2,475 |
| Q2 2024 | $23.2M | $21.0M | $18.6M | $2.2M | $150K | 1.29% | 3.95% | 2.11% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.10% | 0.60% | 73th | |
Return on equity Annualized net income ÷ equity or net worth | 12.0% | 4.1% | 91th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.26% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,453 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $16.1M · securities $39K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 59.3% | 81.5% | 11th |
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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