| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.7% | +3.9% | +0.8 pts |
| Share growth (YoY) | +4.7% | +3.3% | +1.4 pts |
| Loan growth (YoY) | +2.2% | +2.9% | -0.7 pts |
| ROA | 1.13% | 0.69% | +0.4 pts |
| ROE | 8.7% | 5.9% | +2.7 pts |
ROA ranks in the 77th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $111.8M | $97.7M | $40.0M | $14.6M | $316K | 1.13% | 3.88% | 0.21% | 8,152 |
| Q4 2025 | $110.1M | $95.7M | $41.5M | $14.3M | $1.3M | 1.14% | 3.91% | 0.51% | 8,998 |
| Q3 2025 | $107.6M | $93.5M | $42.2M | $14.1M | $1.1M | 1.34% | 3.98% | 0.53% | 8,946 |
| Q2 2025 | $108.1M | $94.6M | $40.3M | $12.3M | $744K | 1.38% | 3.94% | 0.10% | 8,924 |
| Q1 2025 | $106.8M | $93.4M | $39.1M | $12.0M | $350K | 1.31% | 3.94% | 0.06% | 8,989 |
| Q4 2024 | $103.6M | $89.9M | $40.5M | $11.7M | $1.5M | 1.49% | 3.69% | 0.15% | 9,014 |
| Q3 2024 | $102.3M | $89.6M | $41.2M | $11.4M | $1.3M | 1.74% | 3.78% | 0.20% | 9,114 |
| Q2 2024 | $82.9M | $73.0M | $35.4M | $11.0M | $889K | 2.14% | 4.38% | 0.34% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.13% | 0.69% | 77th | |
Return on equity Annualized net income ÷ equity or net worth | 8.7% | 5.9% | 73th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.88% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 7,072 |
Loan mix (Q1 2026): real estate $19.8M · commercial $0 · consumer $19.3M · securities $55.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.5% | 78.7% | 27th |
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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