| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.4% | +1.3% | +4.1 pts |
| Share growth (YoY) | +4.7% | +0.7% | +4.0 pts |
| Loan growth (YoY) | +8.6% | -2.4% | +10.9 pts |
| ROA | 1.53% | 0.60% | +0.9 pts |
| ROE | 12.3% | 4.1% | +8.2 pts |
ROA ranks in the 86th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $70.3M | $61.2M | $33.9M | $8.7M | $268K | 1.53% | 4.40% | 1.00% | 7,832 |
| Q4 2025 | $70.6M | $61.7M | $34.8M | $8.4M | $870K | 1.23% | 4.45% | 1.36% | 7,786 |
| Q3 2025 | $66.8M | $58.2M | $34.2M | $8.2M | $609K | 1.22% | 4.66% | 1.58% | 7,712 |
| Q2 2025 | $67.4M | $58.4M | $33.5M | $8.0M | $353K | 1.05% | 4.56% | 1.88% | 7,664 |
| Q1 2025 | $66.7M | $58.4M | $31.3M | $7.8M | $190K | 1.14% | 4.50% | 1.32% | 7,821 |
| Q4 2024 | $62.5M | $54.5M | $31.4M | $7.6M | $948K | 1.52% | 4.51% | 1.18% | 7,768 |
| Q3 2024 | $62.1M | $54.3M | $31.0M | $7.4M | $704K | 1.51% | 4.46% | 0.83% | 7,795 |
| Q2 2024 | $61.9M | $54.6M | $31.4M | $7.1M | $435K | 1.41% | 4.31% | 0.61% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.53% | 0.60% | 86th | |
Return on equity Annualized net income ÷ equity or net worth | 12.3% | 4.1% | 92th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.40% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 7,774 |
Loan mix (Q1 2026): real estate $14.8M · commercial $0 · consumer $17.7M · securities $24.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 81.4% | 81.5% | 50th |
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.