| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +44.1% | +1.3% | +42.8 pts |
| Share growth (YoY) | +42.1% | +0.7% | +41.5 pts |
| Loan growth (YoY) | +24.9% | -2.4% | +27.3 pts |
| ROA | 0.32% | 0.60% | -0.3 pts |
| ROE | 2.3% | 4.1% | -1.9 pts |
ROA ranks in the 36th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $43.7M | $37.0M | $28.0M | $6.3M | $35K | 0.32% | 4.90% | 0.37% | 4,166 |
| Q4 2025 | $41.3M | $35.7M | $28.3M | $5.9M | $538K | 1.30% | 6.00% | 0.49% | 2,868 |
| Q3 2025 | $42.7M | $36.6M | $28.5M | $5.8M | $231K | 0.72% | 3.89% | 0.06% | 4,953 |
| Q2 2025 | $30.4M | $25.7M | $22.4M | $4.5M | $202K | 1.33% | 5.45% | 0.10% | 3,509 |
| Q1 2025 | $30.4M | $26.0M | $22.4M | $4.2M | $120K | 1.58% | 5.96% | 0.10% | 3,745 |
| Q4 2024 | $31.4M | $27.2M | $23.3M | $4.1M | $324K | 1.03% | 4.80% | 0.00% | 4,135 |
| Q3 2024 | $29.7M | $25.7M | $23.4M | $4.0M | $186K | 0.84% | 4.96% | 0.27% | 4,097 |
| Q2 2024 | $29.4M | $25.3M | $23.5M | $3.9M | $122K | 0.83% | 4.91% | 0.32% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.32% | 0.60% | 36th | |
Return on equity Annualized net income ÷ equity or net worth | 2.3% | 4.1% | 36th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.90% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 4,121 |
Loan mix (Q1 2026): real estate $6.8M · commercial $1.5M · consumer $15.4M · securities $8.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 95.4% | 81.5% | 79th |
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.