| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.8% | +1.3% | +8.5 pts |
| Share growth (YoY) | +9.2% | +0.7% | +8.6 pts |
| Loan growth (YoY) | +6.0% | -2.4% | +8.3 pts |
| ROA | 1.80% | 0.60% | +1.2 pts |
| ROE | 12.6% | 4.1% | +8.4 pts |
ROA ranks in the 91st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $30.9M | $26.4M | $22.5M | $4.4M | $139K | 1.80% | 3.85% | 1.46% | 1,625 |
| Q4 2025 | $30.6M | $26.3M | $22.4M | $4.3M | $521K | 1.70% | 3.70% | 1.50% | 1,606 |
| Q3 2025 | $29.5M | $25.2M | $22.1M | $4.3M | $490K | 2.22% | 3.89% | 0.54% | 1,587 |
| Q2 2025 | $29.0M | $24.9M | $21.4M | $4.1M | $309K | 2.13% | 3.80% | 0.83% | 1,602 |
| Q1 2025 | $28.1M | $24.2M | $21.3M | $3.9M | $152K | 2.16% | 4.02% | 0.02% | 1,586 |
| Q4 2024 | $28.0M | $24.2M | $21.5M | $3.8M | $522K | 1.86% | 3.73% | 0.26% | 1,562 |
| Q3 2024 | $27.0M | $23.3M | $21.6M | $3.7M | $442K | 2.18% | 3.81% | 0.16% | 1,554 |
| Q2 2024 | $26.2M | $22.7M | $20.8M | $3.5M | $281K | 2.14% | 3.85% | 0.29% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.80% | 0.60% | 91th | |
Return on equity Annualized net income ÷ equity or net worth | 12.6% | 4.1% | 92th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.85% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,554 |
Loan mix (Q1 2026): real estate $2.2M · commercial $0 · consumer $16.5M · securities $7.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 59.1% | 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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