| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +16.9% | +1.3% | +15.6 pts |
| Share growth (YoY) | +17.6% | +0.7% | +16.9 pts |
| Loan growth (YoY) | +16.3% | -2.4% | +18.6 pts |
| ROA | 0.33% | 0.60% | -0.3 pts |
| ROE | 2.7% | 4.1% | -1.4 pts |
ROA ranks in the 36th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $70.6M | $62.0M | $32.8M | $8.7M | $58K | 0.33% | 3.03% | 0.96% | 7,606 |
| Q4 2025 | $69.3M | $60.9M | $31.6M | $8.6M | $464K | 0.67% | 2.94% | 0.82% | 7,452 |
| Q3 2025 | $64.9M | $56.8M | $30.6M | $8.5M | $326K | 0.67% | 3.10% | 1.26% | 7,302 |
| Q2 2025 | $63.7M | $56.0M | $29.3M | $8.2M | $27K | 0.09% | 3.11% | 1.64% | 7,136 |
| Q1 2025 | $60.4M | $52.7M | $28.3M | $8.1M | $-22K | -0.15% | 3.20% | 0.72% | 7,022 |
| Q4 2024 | $58.7M | $51.1M | $28.1M | $8.1M | $423K | 0.72% | 3.02% | 1.77% | 6,961 |
| Q3 2024 | $56.7M | $49.0M | $27.6M | $8.1M | $332K | 0.78% | 3.09% | 0.45% | 6,907 |
| Q2 2024 | $56.7M | $49.1M | $26.9M | $7.9M | $205K | 0.72% | 3.06% | 0.71% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.33% | 0.60% | 36th | |
Return on equity Annualized net income ÷ equity or net worth | 2.7% | 4.1% | 40th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.03% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 6,829 |
Loan mix (Q1 2026): real estate $10.1M · commercial $0 · consumer $20.5M · securities $26.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 92.7% | 81.5% | 74th |
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.