| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.5% | +1.3% | +5.2 pts |
| Share growth (YoY) | +5.5% | +0.7% | +4.9 pts |
| Loan growth (YoY) | -2.0% | -2.4% | +0.4 pts |
| ROA | 1.61% | 0.60% | +1.0 pts |
| ROE | 8.6% | 4.1% | +4.5 pts |
ROA ranks in the 87th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $69.8M | $56.2M | $39.1M | $13.1M | $281K | 1.61% | 4.11% | 0.33% | 8,574 |
| Q4 2025 | $67.3M | $53.8M | $39.6M | $12.9M | $1.3M | 1.97% | 4.42% | 0.35% | 8,462 |
| Q3 2025 | $64.9M | $51.8M | $40.1M | $12.6M | $1.0M | 2.13% | 4.57% | 0.54% | 8,430 |
| Q2 2025 | $65.6M | $52.8M | $39.7M | $12.3M | $771K | 2.35% | 4.46% | 0.60% | 8,450 |
| Q1 2025 | $65.6M | $53.2M | $39.9M | $11.9M | $373K | 2.28% | 4.36% | 0.67% | 8,365 |
| Q4 2024 | $61.7M | $49.7M | $40.0M | $11.6M | $1.7M | 2.83% | 4.86% | 0.62% | 8,264 |
| Q3 2024 | $62.4M | $50.8M | $39.4M | $11.2M | $1.4M | 2.92% | 4.85% | 0.52% | 8,247 |
| Q2 2024 | $64.3M | $52.5M | $40.3M | $10.8M | $911K | 2.83% | 4.63% | 0.42% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.61% | 0.60% | 87th | |
Return on equity Annualized net income ÷ equity or net worth | 8.6% | 4.1% | 79th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.11% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 8,191 |
Loan mix (Q1 2026): real estate $113K · commercial $0 · consumer $37.5M · securities $189K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.9% | 81.5% | 19th |
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% |
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