| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.9% | +1.3% | -0.4 pts |
| Share growth (YoY) | -0.8% | +0.7% | -1.4 pts |
| Loan growth (YoY) | +10.4% | -2.4% | +12.7 pts |
| ROA | 1.74% | 0.60% | +1.1 pts |
| ROE | 15.1% | 4.1% | +11.0 pts |
ROA ranks in the 90th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $23.7M | $20.4M | $10.9M | $2.7M | $103K | 1.74% | 3.99% | 0.01% | 1,734 |
| Q4 2025 | $23.8M | $20.6M | $11.0M | $2.6M | $163K | 0.68% | 3.98% | 0.00% | 1,769 |
| Q3 2025 | $25.2M | $22.0M | $10.7M | $2.6M | $113K | 0.60% | 3.67% | 0.01% | 1,779 |
| Q2 2025 | $23.6M | $20.5M | $10.6M | $2.5M | $75K | 0.64% | 3.79% | 0.00% | 1,774 |
| Q1 2025 | $23.5M | $20.6M | $9.9M | $2.5M | $36K | 0.62% | 3.64% | 0.00% | 1,782 |
| Q4 2024 | $22.4M | $19.5M | $10.0M | $2.5M | $144K | 0.65% | 3.87% | 0.04% | 1,785 |
| Q3 2024 | $22.2M | $19.4M | $9.9M | $2.4M | $111K | 0.66% | 4.01% | 0.00% | 1,801 |
| Q2 2024 | $22.6M | $19.8M | $9.8M | $2.4M | $73K | 0.65% | 3.87% | 0.44% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.74% | 0.60% | 90th | |
Return on equity Annualized net income ÷ equity or net worth | 15.1% | 4.1% | 96th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.99% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,783 |
Loan mix (Q1 2026): real estate $5.1M · commercial $0 · consumer $5.3M · securities $10.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.2% | 81.5% | 18th |
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.