| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +14.2% | +1.3% | +12.8 pts |
| Share growth (YoY) | +14.4% | +0.7% | +13.7 pts |
| Loan growth (YoY) | +7.6% | -2.4% | +10.0 pts |
| ROA | 1.07% | 0.60% | +0.5 pts |
| ROE | 10.9% | 4.1% | +6.8 pts |
ROA ranks in the 72nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $40.5M | $36.5M | $15.1M | $4.0M | $109K | 1.07% | 4.03% | 1.39% | 3,087 |
| Q4 2025 | $40.0M | $35.9M | $14.8M | $3.9M | $443K | 1.11% | 4.02% | 1.16% | 3,097 |
| Q3 2025 | $39.3M | $35.2M | $15.0M | $3.8M | $188K | 0.64% | 4.00% | 0.75% | 3,172 |
| Q2 2025 | $37.3M | $33.6M | $14.4M | $3.6M | $186K | 1.00% | 4.08% | 1.18% | 3,148 |
| Q1 2025 | $35.5M | $31.9M | $14.1M | $3.5M | $90K | 1.02% | 4.14% | 0.58% | 3,367 |
| Q4 2024 | $37.9M | $34.4M | $14.5M | $3.4M | $276K | 0.73% | 3.59% | 0.79% | 3,377 |
| Q3 2024 | $35.9M | $32.6M | $14.7M | $3.4M | $203K | 0.75% | 3.70% | 0.11% | 3,437 |
| Q2 2024 | $37.7M | $34.1M | $15.3M | $3.3M | $127K | 0.68% | 3.46% | 0.96% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.07% | 0.60% | 72th | |
Return on equity Annualized net income ÷ equity or net worth | 10.9% | 4.1% | 88th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.03% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,419 |
Loan mix (Q1 2026): real estate $7.1M · commercial $0 · consumer $7.2M · securities $17.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.5% | 81.5% | 34th |
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.