| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.7% | +1.3% | +5.4 pts |
| Share growth (YoY) | +6.1% | +0.7% | +5.5 pts |
| Loan growth (YoY) | +0.5% | -2.4% | +2.8 pts |
| ROA | 1.13% | 0.60% | +0.5 pts |
| ROE | 7.5% | 4.1% | +3.4 pts |
ROA ranks in the 74th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $17.6M | $14.9M | $7.4M | $2.6M | $50K | 1.13% | 5.06% | 0.47% | 2,365 |
| Q4 2025 | $16.3M | $13.7M | $7.3M | $2.6M | $230K | 1.41% | 5.52% | 1.28% | 2,417 |
| Q3 2025 | $15.9M | $13.3M | $7.5M | $2.5M | $185K | 1.55% | 5.68% | 1.27% | 2,420 |
| Q2 2025 | $16.2M | $13.7M | $7.5M | $2.5M | $113K | 1.40% | 5.52% | 0.65% | 2,446 |
| Q1 2025 | $16.5M | $14.1M | $7.4M | $2.4M | $31K | 0.75% | 5.34% | 0.62% | 2,422 |
| Q4 2024 | $15.6M | $13.2M | $7.5M | $2.3M | $347K | 2.23% | 5.95% | 1.07% | 2,463 |
| Q3 2024 | $15.0M | $12.7M | $7.8M | $2.3M | $263K | 2.34% | 6.19% | 1.53% | 2,465 |
| Q2 2024 | $15.4M | $13.2M | $7.8M | $2.2M | $184K | 2.38% | 5.92% | 0.66% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.13% | 0.60% | 74th | |
Return on equity Annualized net income ÷ equity or net worth | 7.5% | 4.1% | 73th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.06% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,448 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $6.2M · securities $6.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.5% | 81.5% | 25th |
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.