| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +12.7% | +1.3% | +11.4 pts |
| Share growth (YoY) | +12.5% | +0.7% | +11.8 pts |
| Loan growth (YoY) | +5.3% | -2.4% | +7.6 pts |
| ROA | 1.12% | 0.60% | +0.5 pts |
| ROE | 16.2% | 4.1% | +12.1 pts |
ROA ranks in the 74th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $7.9M | $7.3M | $6.3M | $547K | $22K | 1.12% | 3.98% | 0.00% | 1,564 |
| Q4 2025 | $7.7M | $7.0M | $6.1M | $525K | $144K | 1.87% | 3.73% | 0.00% | 1,532 |
| Q3 2025 | $7.2M | $6.7M | $6.0M | $508K | $126K | 2.33% | 3.94% | 0.15% | 1,536 |
| Q2 2025 | $7.0M | $6.4M | $6.0M | $408K | $26K | 0.75% | 4.00% | 0.00% | 1,523 |
| Q1 2025 | $7.0M | $6.5M | $6.0M | $394K | $12K | 0.71% | 4.27% | 0.05% | 1,577 |
| Q4 2024 | $6.8M | $6.4M | $5.8M | $381K | $-108K | -1.60% | 5.01% | 0.95% | 1,564 |
| Q3 2024 | $6.5M | $6.0M | $5.9M | $360K | $-130K | -2.66% | 5.32% | 0.06% | 1,587 |
| Q2 2024 | $7.2M | $6.6M | $5.6M | $497K | $7K | 0.19% | 4.79% | 2.71% | 1,585 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.12% | 0.60% | 74th | |
Return on equity Annualized net income ÷ equity or net worth | 16.2% | 4.1% | 97th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.98% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $6.3M · securities $200K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 90.9% | 81.5% | 71th |
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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