| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +13.5% | +1.3% | +12.2 pts |
| Share growth (YoY) | +13.9% | +0.7% | +13.2 pts |
| Loan growth (YoY) | +7.7% | -2.4% | +10.1 pts |
| ROA | 1.61% | 0.60% | +1.0 pts |
| ROE | 8.5% | 4.1% | +4.4 pts |
ROA ranks in the 87th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $11.6M | $9.4M | $2.7M | $2.2M | $47K | 1.61% | 3.00% | 2.76% | 1,291 |
| Q4 2025 | $11.1M | $8.9M | $2.5M | $2.1M | $249K | 2.26% | 3.34% | 3.79% | 1,301 |
| Q3 2025 | $10.7M | $8.6M | $2.5M | $2.1M | $185K | 2.29% | 3.42% | 3.41% | 1,310 |
| Q2 2025 | $10.3M | $8.3M | $2.6M | $2.0M | $120K | 2.33% | 3.51% | 3.77% | 1,306 |
| Q1 2025 | $10.2M | $8.3M | $2.5M | $2.0M | $59K | 2.29% | 3.59% | 1.21% | 1,304 |
| Q4 2024 | $9.6M | $7.7M | $2.6M | $1.9M | $265K | 2.75% | 3.98% | 1.91% | 1,308 |
| Q3 2024 | $9.8M | $8.0M | $2.6M | $1.8M | $206K | 2.79% | 3.86% | 0.98% | 1,327 |
| Q2 2024 | $9.6M | $7.8M | $2.5M | $1.8M | $130K | 2.71% | 3.86% | 3.44% | 1,328 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.61% | 0.60% | 87th | |
Return on equity Annualized net income ÷ equity or net worth | 8.5% | 4.1% | 78th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.00% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $1.2M · commercial $0 · consumer $1.5M · securities $8.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 47.5% | 81.5% | 4th |
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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