| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +14.1% | +1.3% | +12.8 pts |
| Share growth (YoY) | +14.4% | +0.7% | +13.8 pts |
| Loan growth (YoY) | +5.6% | -2.4% | +8.0 pts |
| ROA | 1.08% | 0.60% | +0.5 pts |
| ROE | 8.4% | 4.1% | +4.3 pts |
ROA ranks in the 72nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $61.3M | $53.4M | $26.8M | $7.8M | $165K | 1.08% | 3.32% | 0.74% | 3,255 |
| Q4 2025 | $60.8M | $53.0M | $26.6M | $7.6M | $817K | 1.34% | 3.35% | 0.38% | 3,241 |
| Q3 2025 | $57.4M | $50.0M | $26.5M | $7.4M | $536K | 1.24% | 3.36% | 0.47% | 3,225 |
| Q2 2025 | $56.1M | $48.9M | $25.9M | $7.1M | $285K | 1.01% | 3.34% | 0.70% | 3,226 |
| Q1 2025 | $53.7M | $46.7M | $25.4M | $7.0M | $124K | 0.92% | 3.31% | 0.71% | 3,282 |
| Q4 2024 | $51.8M | $44.9M | $25.4M | $6.9M | $521K | 1.01% | 3.13% | 0.98% | 3,280 |
| Q3 2024 | $49.7M | $43.0M | $25.9M | $6.8M | $429K | 1.15% | 3.32% | 0.98% | 3,286 |
| Q2 2024 | $49.0M | $42.2M | $26.3M | $6.6M | $294K | 1.20% | 3.40% | 0.83% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.08% | 0.60% | 72th | |
Return on equity Annualized net income ÷ equity or net worth | 8.4% | 4.1% | 78th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.32% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,272 |
Loan mix (Q1 2026): real estate $4.5M · commercial $0 · consumer $21.3M · securities $28.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 68.3% | 81.5% | 23th |
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.