| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.0% | +1.3% | +0.7 pts |
| Share growth (YoY) | -5.4% | +0.7% | -6.1 pts |
| Loan growth (YoY) | +20.9% | -2.4% | +23.3 pts |
| ROA | 0.92% | 0.60% | +0.3 pts |
| ROE | 10.4% | 4.1% | +6.3 pts |
ROA ranks in the 66th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $67.2M | $56.3M | $49.0M | $6.0M | $155K | 0.92% | 4.47% | 3.30% | 3,371 |
| Q4 2025 | $68.7M | $57.3M | $50.7M | $5.8M | $632K | 0.92% | 4.19% | 2.35% | 3,337 |
| Q3 2025 | $64.4M | $56.3M | $46.9M | $5.7M | $489K | 1.01% | 4.39% | 3.47% | 3,652 |
| Q2 2025 | $62.5M | $55.7M | $43.4M | $5.2M | $286K | 0.91% | 4.37% | 1.75% | 3,668 |
| Q1 2025 | $65.8M | $59.5M | $40.5M | $5.3M | $114K | 0.69% | 4.06% | 2.81% | 3,616 |
| Q4 2024 | $61.1M | $55.1M | $39.6M | $5.2M | $711K | 1.16% | 3.97% | 2.11% | 3,548 |
| Q3 2024 | $62.1M | $54.5M | $39.1M | $5.0M | $526K | 1.13% | 3.86% | 1.46% | 3,479 |
| Q2 2024 | $61.6M | $54.6M | $37.6M | $4.8M | $326K | 1.06% | 3.83% | 0.56% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.92% | 0.60% | 66th | |
Return on equity Annualized net income ÷ equity or net worth | 10.4% | 4.1% | 86th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.47% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,435 |
Loan mix (Q1 2026): real estate $30.7M · commercial $0 · consumer $17.9M · securities $13.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.1% | 81.5% | 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% |
The full ratio pack is part of CharterBench Pro.