| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +58.9% | +3.9% | +55.0 pts |
| Share growth (YoY) | +66.5% | +3.3% | +63.2 pts |
| Loan growth (YoY) | +23.8% | +2.9% | +20.9 pts |
| ROA | -0.03% | 0.69% | -0.7 pts |
| ROE | -0.3% | 5.9% | -6.2 pts |
ROA ranks in the 7th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $125.1M | $115.1M | $79.6M | $11.2M | $-8K | -0.03% | 4.00% | 0.57% | 11,516 |
| Q4 2025 | $123.2M | $113.0M | $79.9M | $11.2M | $-323K | -0.26% | 4.21% | 0.55% | 11,603 |
| Q3 2025 | $123.8M | $113.4M | $78.5M | $11.0M | $-560K | -0.60% | 4.19% | 0.60% | 8,091 |
| Q2 2025 | $122.7M | $113.5M | $78.0M | $10.8M | $-794K | -1.29% | 4.21% | 0.83% | 11,915 |
| Q1 2025 | $78.7M | $69.1M | $64.3M | $8.5M | $174K | 0.88% | 4.85% | 0.45% | 8,092 |
| Q4 2024 | $77.5M | $68.6M | $64.5M | $8.3M | $406K | 0.52% | 4.65% | 0.53% | 8,073 |
| Q3 2024 | $76.9M | $68.0M | $63.0M | $8.3M | $331K | 0.57% | 4.59% | 0.75% | 8,039 |
| Q2 2024 | $77.7M | $69.1M | $62.8M | $8.2M | $276K | 0.71% | 4.43% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.03% | 0.69% | 7th | |
Return on equity Annualized net income ÷ equity or net worth | -0.3% | 5.9% | 7th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.00% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.74% |
| 8,053 |
Loan mix (Q1 2026): real estate $22.3M · commercial $4.4M · consumer $49.8M · securities $33.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 88.1% | 78.7% | 80th |
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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