| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.6% | +1.3% | +10.3 pts |
| Share growth (YoY) | +10.5% | +0.7% | +9.8 pts |
| Loan growth (YoY) | +7.2% | -2.4% | +9.6 pts |
| ROA | 0.71% | 0.60% | +0.1 pts |
| ROE | 3.9% | 4.1% | -0.2 pts |
ROA ranks in the 56th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $13.5M | $11.1M | $5.1M | $2.5M | $24K | 0.71% | 4.30% | 0.00% | 1,473 |
| Q4 2025 | $11.8M | $9.5M | $4.3M | $2.2M | $168K | 1.43% | 4.01% | 0.00% | 1,230 |
| Q3 2025 | $11.6M | $9.3M | $4.4M | $2.2M | $163K | 1.88% | 4.29% | 0.00% | 1,235 |
| Q2 2025 | $12.3M | $10.1M | $4.5M | $2.2M | $95K | 1.54% | 3.95% | 0.00% | 1,242 |
| Q1 2025 | $12.1M | $10.0M | $4.8M | $2.1M | $39K | 1.28% | 3.89% | 0.00% | 1,255 |
| Q4 2024 | $12.2M | $10.1M | $4.9M | $2.1M | $77K | 0.63% | 3.14% | 0.01% | 1,266 |
| Q3 2024 | $12.3M | $10.3M | $5.3M | $2.1M | $84K | 0.91% | 3.29% | 0.03% | 1,264 |
| Q2 2024 | $12.7M | $10.7M | $5.3M | $2.0M | $22K | 0.34% | 2.79% | 0.21% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.71% | 0.60% | 56th | |
Return on equity Annualized net income ÷ equity or net worth | 3.9% | 4.1% | 49th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.30% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,268 |
Loan mix (Q1 2026): real estate $1.2M · commercial $0 · consumer $3.8M · securities $6.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.6% | 81.5% | 34th |
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.