| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.6% | +1.3% | +3.3 pts |
| Share growth (YoY) | +3.1% | +0.7% | +2.5 pts |
| Loan growth (YoY) | +15.7% | -2.4% | +18.0 pts |
| ROA | 1.84% | 0.60% | +1.2 pts |
| ROE | 12.3% | 4.1% | +8.2 pts |
ROA ranks in the 91st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $77.9M | $65.9M | $48.8M | $11.7M | $359K | 1.84% | 3.46% | 0.00% | 2,810 |
| Q4 2025 | $74.9M | $63.5M | $46.8M | $11.3M | $1.2M | 1.64% | 3.48% | 0.00% | 2,791 |
| Q3 2025 | $73.2M | $62.0M | $47.7M | $11.1M | $1.0M | 1.86% | 3.69% | 0.00% | 2,790 |
| Q2 2025 | $73.1M | $61.9M | $45.4M | $10.7M | $602K | 1.65% | 3.60% | 0.04% | 2,786 |
| Q1 2025 | $74.4M | $63.9M | $42.2M | $10.4M | $285K | 1.53% | 3.28% | 0.01% | 2,767 |
| Q4 2024 | $72.2M | $61.8M | $41.9M | $10.1M | $872K | 1.21% | 2.70% | 0.00% | 2,762 |
| Q3 2024 | $68.2M | $57.8M | $41.4M | $10.0M | $717K | 1.40% | 2.90% | 0.02% | 2,780 |
| Q2 2024 | $67.8M | $58.1M | $40.2M | $9.7M | $466K | 1.37% | 2.79% | 0.03% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.84% | 0.60% | 91th | |
Return on equity Annualized net income ÷ equity or net worth | 12.3% | 4.1% | 92th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.46% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,784 |
Loan mix (Q1 2026): real estate $9.0M · commercial $17.0M · consumer $15.4M · securities $20.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 55.8% | 81.5% | 8th |
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.