| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +14.7% | +3.9% | +10.8 pts |
| Share growth (YoY) | +13.7% | +3.3% | +10.4 pts |
| Loan growth (YoY) | +6.8% | +2.9% | +3.9 pts |
| ROA | 1.05% | 0.69% | +0.4 pts |
| ROE | 12.4% | 5.9% | +6.5 pts |
ROA ranks in the 73rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $113.3M | $101.8M | $61.7M | $9.6M | $298K | 1.05% | 3.63% | 2.35% | 7,881 |
| Q4 2025 | $115.2M | $102.0M | $61.4M | $9.8M | $1.1M | 0.98% | 3.14% | 2.66% | 7,944 |
| Q3 2025 | $101.6M | $91.8M | $59.1M | $9.1M | $834K | 1.09% | 3.51% | 2.12% | 7,230 |
| Q2 2025 | $102.8M | $93.1M | $59.2M | $8.8M | $529K | 1.03% | 3.35% | 1.79% | 7,291 |
| Q1 2025 | $98.8M | $89.5M | $57.8M | $8.4M | $208K | 0.84% | 3.17% | 2.02% | 7,370 |
| Q4 2024 | $98.8M | $89.3M | $56.9M | $8.2M | $285K | 0.29% | 2.96% | 1.82% | 7,402 |
| Q3 2024 | $98.0M | $88.9M | $56.5M | $8.2M | $215K | 0.29% | 2.91% | 1.12% | 7,485 |
| Q2 2024 | $100.1M | $91.4M | $56.4M | $8.1M | $99K | 0.20% | 2.77% | 0.80% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.05% | 0.69% | 73th | |
Return on equity Annualized net income ÷ equity or net worth | 12.4% | 5.9% | 92th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.63% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 7,531 |
Loan mix (Q1 2026): real estate $34.0M · commercial $5.5M · consumer $21.3M · securities $37.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.6% | 78.7% | 33th |
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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