| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +23.0% | +1.3% | +21.7 pts |
| Share growth (YoY) | +24.9% | +0.7% | +24.2 pts |
| Loan growth (YoY) | +17.8% | -2.4% | +20.2 pts |
| ROA | 1.19% | 0.60% | +0.6 pts |
| ROE | 13.3% | 4.1% | +9.2 pts |
ROA ranks in the 76th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $72.2M | $65.5M | $52.4M | $6.4M | $214K | 1.19% | 3.48% | 0.45% | 3,477 |
| Q4 2025 | $67.2M | $60.9M | $51.6M | $6.2M | $407K | 0.61% | 3.51% | 1.06% | 3,400 |
| Q3 2025 | $62.0M | $55.3M | $50.5M | $6.1M | $246K | 0.53% | 3.70% | 0.89% | 3,378 |
| Q2 2025 | $59.7M | $53.5M | $46.6M | $6.1M | $268K | 0.90% | 3.63% | 1.22% | 3,292 |
| Q1 2025 | $58.7M | $52.5M | $44.4M | $5.9M | $115K | 0.78% | 3.49% | 0.80% | 3,246 |
| Q4 2024 | $56.5M | $50.5M | $42.9M | $5.8M | $331K | 0.59% | 3.01% | 0.66% | 3,196 |
| Q3 2024 | $55.6M | $49.4M | $41.2M | $5.6M | $160K | 0.38% | 2.91% | 0.35% | 3,150 |
| Q2 2024 | $52.9M | $47.2M | $40.9M | $5.5M | $48K | 0.18% | 2.89% | 0.20% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.19% | 0.60% | 76th | |
Return on equity Annualized net income ÷ equity or net worth | 13.3% | 4.1% | 94th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.48% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,090 |
Loan mix (Q1 2026): real estate $24.0M · commercial $0 · consumer $26.2M · securities $11.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.3% | 81.5% | 13th |
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.