| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.7% | +1.3% | +2.4 pts |
| Share growth (YoY) | +2.7% | +0.7% | +2.1 pts |
| Loan growth (YoY) | +39.5% | -2.4% | +41.8 pts |
| ROA | 1.19% | 0.60% | +0.6 pts |
| ROE | 10.9% | 4.1% | +6.8 pts |
ROA ranks in the 76th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $27.1M | $24.1M | $10.1M | $3.0M | $81K | 1.19% | 3.30% | 0.62% | 1,707 |
| Q4 2025 | $26.5M | $23.5M | $9.5M | $2.9M | $328K | 1.24% | 3.20% | 0.99% | 1,703 |
| Q3 2025 | $26.0M | $23.0M | $9.3M | $2.8M | $283K | 1.45% | 3.43% | 1.12% | 1,696 |
| Q2 2025 | $27.0M | $24.2M | $9.1M | $2.7M | $177K | 1.31% | 3.24% | 1.01% | 1,698 |
| Q1 2025 | $26.2M | $23.4M | $7.2M | $2.6M | $85K | 1.31% | 3.29% | 1.03% | 1,660 |
| Q4 2024 | $25.9M | $23.2M | $7.4M | $2.6M | $388K | 1.50% | 3.26% | 2.74% | 1,659 |
| Q3 2024 | $25.6M | $23.0M | $7.4M | $2.4M | $276K | 1.44% | 3.27% | 1.09% | 1,674 |
| Q2 2024 | $26.3M | $23.9M | $7.2M | $2.3M | $167K | 1.27% | 3.07% | 1.78% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.19% | 0.60% | 76th | |
Return on equity Annualized net income ÷ equity or net worth | 10.9% | 4.1% | 88th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.30% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,671 |
Loan mix (Q1 2026): real estate $2.8M · commercial $0 · consumer $6.8M · securities $10.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 60.1% | 81.5% | 12th |
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.