| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +13.5% | +1.3% | +12.2 pts |
| Share growth (YoY) | +10.7% | +0.7% | +10.0 pts |
| Loan growth (YoY) | +8.3% | -2.4% | +10.7 pts |
| ROA | 0.97% | 0.60% | +0.4 pts |
| ROE | 9.1% | 4.1% | +5.0 pts |
ROA ranks in the 68th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $38.1M | $34.0M | $16.5M | $4.1M | $93K | 0.97% | 3.67% | 0.23% | 3,480 |
| Q4 2025 | $38.0M | $33.9M | $16.3M | $4.0M | $363K | 0.96% | 3.14% | 0.34% | 3,489 |
| Q3 2025 | $32.8M | $29.7M | $15.2M | $3.1M | $330K | 1.34% | 3.46% | 0.30% | 2,991 |
| Q2 2025 | $33.1M | $30.1M | $15.0M | $2.9M | $100K | 0.60% | 3.19% | 0.17% | 2,986 |
| Q1 2025 | $33.6M | $30.7M | $15.2M | $2.9M | $36K | 0.43% | 3.07% | 0.13% | 3,033 |
| Q4 2024 | $33.1M | $30.2M | $15.4M | $2.8M | $183K | 0.55% | 2.91% | 0.43% | 3,038 |
| Q3 2024 | $32.9M | $30.1M | $15.8M | $2.8M | $124K | 0.50% | 2.88% | 0.48% | 3,029 |
| Q2 2024 | $34.6M | $31.8M | $16.1M | $2.8M | $73K | 0.42% | 2.67% | 0.27% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.97% | 0.60% | 68th | |
Return on equity Annualized net income ÷ equity or net worth | 9.1% | 4.1% | 81th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.67% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,012 |
Loan mix (Q1 2026): real estate $8.8M · commercial $0 · consumer $7.5M · securities $16.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.2% | 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.