| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.5% | +1.3% | +3.2 pts |
| Share growth (YoY) | +2.6% | +0.7% | +1.9 pts |
| Loan growth (YoY) | +10.0% | -2.4% | +12.4 pts |
| ROA | 1.48% | 0.60% | +0.9 pts |
| ROE | 10.7% | 4.1% | +6.6 pts |
ROA ranks in the 84th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $18.3M | $15.6M | $16.7M | $2.5M | $68K | 1.48% | 5.70% | 0.29% | 2,187 |
| Q4 2025 | $18.5M | $15.3M | $16.5M | $2.5M | $281K | 1.51% | 5.57% | 1.33% | 2,178 |
| Q3 2025 | $18.6M | $14.4M | $16.6M | $2.4M | $225K | 1.61% | 5.53% | 0.78% | 2,195 |
| Q2 2025 | $18.2M | $14.5M | $15.8M | $2.4M | $162K | 1.78% | 5.60% | 1.08% | 2,161 |
| Q1 2025 | $17.6M | $15.2M | $15.1M | $2.3M | $95K | 2.17% | 5.68% | 0.94% | 2,176 |
| Q4 2024 | $17.3M | $14.9M | $14.8M | $2.2M | $389K | 2.25% | 5.57% | 1.05% | 2,177 |
| Q3 2024 | $17.4M | $14.7M | $14.3M | $2.1M | $295K | 2.26% | 5.46% | 1.52% | 2,174 |
| Q2 2024 | $17.7M | $15.4M | $14.5M | $2.0M | $188K | 2.11% | 5.28% | 1.11% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.48% | 0.60% | 84th | |
Return on equity Annualized net income ÷ equity or net worth | 10.7% | 4.1% | 87th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.70% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,187 |
Loan mix (Q1 2026): real estate $5.1M · commercial $0 · consumer $10.8M · securities $535K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.3% | 81.5% | 31th |
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.