| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +12.0% | +1.3% | +10.7 pts |
| Share growth (YoY) | +12.2% | +0.7% | +11.5 pts |
| Loan growth (YoY) | +18.4% | -2.4% | +20.8 pts |
| ROA | 1.14% | 0.60% | +0.5 pts |
| ROE | 11.3% | 4.1% | +7.2 pts |
ROA ranks in the 74th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $35.1M | $31.5M | $17.5M | $3.5M | $100K | 1.14% | 4.41% | 0.34% | 3,250 |
| Q4 2025 | $33.4M | $29.8M | $16.0M | $3.4M | $649K | 1.94% | 4.59% | 1.06% | 3,235 |
| Q3 2025 | $31.6M | $28.2M | $16.2M | $3.3M | $516K | 2.18% | 4.80% | 1.14% | 3,274 |
| Q2 2025 | $31.8M | $28.5M | $15.8M | $3.1M | $338K | 2.12% | 4.71% | 0.91% | 3,266 |
| Q1 2025 | $31.3M | $28.1M | $14.8M | $3.0M | $160K | 2.04% | 4.63% | 0.38% | 3,244 |
| Q4 2024 | $28.0M | $25.1M | $15.0M | $2.8M | $429K | 1.53% | 4.83% | 1.32% | 3,211 |
| Q3 2024 | $27.5M | $24.6M | $15.0M | $2.7M | $299K | 1.45% | 4.84% | 0.81% | 3,176 |
| Q2 2024 | $27.5M | $24.7M | $14.5M | $2.6M | $187K | 1.36% | 4.66% | 0.30% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.14% | 0.60% | 74th | |
Return on equity Annualized net income ÷ equity or net worth | 11.3% | 4.1% | 89th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.41% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,153 |
Loan mix (Q1 2026): real estate $10.8M · commercial $0 · consumer $6.1M · securities $12.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.2% | 81.5% | 37th |
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.