| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.0% | +1.3% | +6.7 pts |
| Share growth (YoY) | +8.2% | +0.7% | +7.6 pts |
| Loan growth (YoY) | +16.0% | -2.4% | +18.4 pts |
| ROA | 0.90% | 0.60% | +0.3 pts |
| ROE | 7.5% | 4.1% | +3.4 pts |
ROA ranks in the 65th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $45.2M | $38.6M | $11.7M | $5.4M | $102K | 0.90% | 3.33% | 0.81% | 1,606 |
| Q4 2025 | $44.2M | $37.8M | $10.8M | $5.3M | $543K | 1.23% | 3.28% | 0.80% | 1,602 |
| Q3 2025 | $43.8M | $37.4M | $10.9M | $5.0M | $247K | 0.75% | 3.26% | 0.79% | 1,605 |
| Q2 2025 | $43.4M | $37.1M | $10.3M | $5.0M | $189K | 0.87% | 3.23% | 0.80% | 1,606 |
| Q1 2025 | $41.8M | $35.7M | $10.1M | $4.9M | $125K | 1.20% | 3.36% | 0.80% | 1,612 |
| Q4 2024 | $40.9M | $34.8M | $10.7M | $4.8M | $717K | 1.75% | 3.52% | 1.23% | 1,611 |
| Q3 2024 | $39.8M | $33.9M | $10.4M | $4.5M | $398K | 1.33% | 3.60% | 1.32% | 1,634 |
| Q2 2024 | $38.7M | $33.0M | $10.7M | $4.3M | $255K | 1.32% | 3.65% | 1.70% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.90% | 0.60% | 65th | |
Return on equity Annualized net income ÷ equity or net worth | 7.5% | 4.1% | 72th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.33% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,641 |
Loan mix (Q1 2026): real estate $4.6M · commercial $0 · consumer $6.3M · securities $28.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.3% | 81.5% | 33th |
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.