| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +14.9% | +1.3% | +13.6 pts |
| Share growth (YoY) | +12.6% | +0.7% | +11.9 pts |
| Loan growth (YoY) | +27.8% | -2.4% | +30.2 pts |
| ROA | 1.25% | 0.60% | +0.6 pts |
| ROE | 13.5% | 4.1% | +9.4 pts |
ROA ranks in the 78th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $54.8M | $48.9M | $27.2M | $5.1M | $172K | 1.25% | 4.00% | 0.10% | 3,675 |
| Q4 2025 | $53.3M | $48.3M | $25.3M | $4.9M | $756K | 1.42% | 3.87% | 0.21% | 3,701 |
| Q3 2025 | $50.7M | $45.9M | $24.8M | $4.7M | $547K | 1.44% | 4.00% | 0.63% | 3,721 |
| Q2 2025 | $48.8M | $44.3M | $22.6M | $4.5M | $335K | 1.37% | 4.06% | 0.69% | 3,718 |
| Q1 2025 | $47.7M | $43.4M | $21.3M | $4.3M | $131K | 1.10% | 3.96% | 0.63% | 3,733 |
| Q4 2024 | $44.3M | $40.1M | $20.7M | $4.2M | $539K | 1.22% | 4.11% | 0.71% | 3,799 |
| Q3 2024 | $42.4M | $38.3M | $19.8M | $4.0M | $411K | 1.29% | 4.23% | 0.82% | 3,807 |
| Q2 2024 | $41.3M | $37.4M | $18.7M | $3.9M | $257K | 1.24% | 4.28% | 0.41% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.25% | 0.60% | 78th | |
Return on equity Annualized net income ÷ equity or net worth | 13.5% | 4.1% | 94th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.00% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,780 |
Loan mix (Q1 2026): real estate $12.8M · commercial $0 · consumer $13.9M · securities $24.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.8% | 81.5% | 39th |
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.