| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.5% | +1.3% | +3.2 pts |
| Share growth (YoY) | +3.4% | +0.7% | +2.7 pts |
| Loan growth (YoY) | +10.5% | -2.4% | +12.9 pts |
| ROA | 1.72% | 0.60% | +1.1 pts |
| ROE | 12.8% | 4.1% | +8.7 pts |
ROA ranks in the 89th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $43.7M | $37.4M | $18.4M | $5.9M | $188K | 1.72% | 4.21% | 0.32% | 6,790 |
| Q4 2025 | $41.2M | $35.0M | $18.2M | $5.7M | $689K | 1.67% | 4.53% | 0.52% | 7,028 |
| Q3 2025 | $42.3M | $35.6M | $17.8M | $5.5M | $523K | 1.65% | 4.39% | 0.66% | 7,021 |
| Q2 2025 | $42.4M | $36.4M | $16.8M | $5.3M | $351K | 1.65% | 4.32% | 0.62% | 7,008 |
| Q1 2025 | $41.8M | $36.1M | $16.7M | $5.2M | $182K | 1.74% | 4.28% | 0.33% | 7,131 |
| Q4 2024 | $40.7M | $34.9M | $16.9M | $5.0M | $637K | 1.57% | 4.14% | 0.54% | 8,183 |
| Q3 2024 | $41.2M | $35.6M | $16.3M | $4.9M | $492K | 1.59% | 4.03% | 0.46% | 8,166 |
| Q2 2024 | $41.5M | $35.8M | $16.0M | $4.7M | $323K | 1.56% | 3.91% | 0.51% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.72% | 0.60% | 89th | |
Return on equity Annualized net income ÷ equity or net worth | 12.8% | 4.1% | 93th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.21% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 8,167 |
Loan mix (Q1 2026): real estate $3.2M · commercial $0 · consumer $13.9M · securities $14.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.3% | 81.5% | 18th |
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.