| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.9% | +1.3% | +2.5 pts |
| Share growth (YoY) | +4.3% | +0.7% | +3.7 pts |
| Loan growth (YoY) | +6.7% | -2.4% | +9.0 pts |
| ROA | 0.86% | 0.60% | +0.3 pts |
| ROE | 4.6% | 4.1% | +0.5 pts |
ROA ranks in the 63rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $75.9M | $61.1M | $51.6M | $14.2M | $164K | 0.86% | 4.62% | 1.14% | 10,733 |
| Q4 2025 | $72.8M | $58.2M | $51.8M | $14.1M | $1.3M | 1.78% | 5.09% | 0.95% | 10,815 |
| Q3 2025 | $72.8M | $58.0M | $50.2M | $13.9M | $1.1M | 1.92% | 5.08% | 0.94% | 10,803 |
| Q2 2025 | $72.1M | $57.5M | $49.3M | $13.6M | $821K | 2.28% | 5.10% | 0.95% | 10,624 |
| Q1 2025 | $73.1M | $58.6M | $48.3M | $13.1M | $293K | 1.61% | 4.97% | 0.39% | 10,574 |
| Q4 2024 | $71.4M | $58.1M | $46.6M | $12.8M | $906K | 1.27% | 4.98% | 0.45% | 10,545 |
| Q3 2024 | $72.5M | $59.3M | $44.3M | $12.6M | $702K | 1.29% | 4.87% | 0.74% | 10,499 |
| Q2 2024 | $73.6M | $60.3M | $41.5M | $12.4M | $423K | 1.15% | 4.68% | 0.48% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.86% | 0.60% | 63th | |
Return on equity Annualized net income ÷ equity or net worth | 4.6% | 4.1% | 54th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.62% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 10,381 |
Loan mix (Q1 2026): real estate $35.5M · commercial $0 · consumer $15.4M · securities $13.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.4% | 81.5% | 47th |
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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