| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.0% | +1.3% | +4.7 pts |
| Share growth (YoY) | +5.9% | +0.7% | +5.2 pts |
| Loan growth (YoY) | +25.3% | -2.4% | +27.7 pts |
| ROA | 0.63% | 0.60% | +0.0 pts |
| ROE | 9.4% | 4.1% | +5.3 pts |
ROA ranks in the 51st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $44.7M | $41.8M | $28.8M | $3.0M | $71K | 0.63% | 4.89% | 0.41% | 5,170 |
| Q4 2025 | $43.6M | $40.7M | $28.5M | $2.9M | $205K | 0.47% | 5.01% | 0.47% | 5,173 |
| Q3 2025 | $43.1M | $40.0M | $27.1M | $2.9M | $140K | 0.43% | 5.02% | 0.60% | 5,194 |
| Q2 2025 | $42.9M | $40.1M | $24.6M | $2.8M | $73K | 0.34% | 4.97% | 0.71% | 5,175 |
| Q1 2025 | $42.2M | $39.5M | $23.0M | $2.8M | $47K | 0.44% | 4.99% | 0.74% | 5,192 |
| Q4 2024 | $41.3M | $38.7M | $23.7M | $2.7M | $289K | 0.70% | 5.11% | 0.77% | 5,180 |
| Q3 2024 | $42.0M | $39.6M | $22.6M | $2.6M | $156K | 0.50% | 4.99% | 0.60% | 5,163 |
| Q2 2024 | $41.4M | $39.1M | $23.3M | $2.6M | $106K | 0.51% | 4.99% | 2.62% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.63% | 0.60% | 51th | |
Return on equity Annualized net income ÷ equity or net worth | 9.4% | 4.1% | 82th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.89% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 5,139 |
Loan mix (Q1 2026): real estate $13.1M · commercial $283K · consumer $14.2M · securities $10.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 85.6% | 81.5% | 60th |
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.