| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.2% | +1.3% | +7.9 pts |
| Share growth (YoY) | +9.5% | +0.7% | +8.8 pts |
| Loan growth (YoY) | +3.8% | -2.4% | +6.1 pts |
| ROA | 0.81% | 0.60% | +0.2 pts |
| ROE | 5.0% | 4.1% | +0.9 pts |
ROA ranks in the 61st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $41.9M | $35.0M | $23.3M | $6.9M | $85K | 0.81% | 4.20% | 0.16% | 3,695 |
| Q4 2025 | $40.4M | $33.5M | $23.7M | $6.8M | $537K | 1.33% | 4.44% | 0.26% | 3,695 |
| Q3 2025 | $38.3M | $31.5M | $23.7M | $6.7M | $408K | 1.42% | 4.66% | 0.12% | 3,962 |
| Q2 2025 | $39.5M | $32.9M | $22.5M | $6.5M | $240K | 1.22% | 4.47% | 0.44% | 3,911 |
| Q1 2025 | $38.4M | $31.9M | $22.5M | $6.4M | $137K | 1.43% | 4.55% | 0.15% | 3,921 |
| Q4 2024 | $37.3M | $31.0M | $23.0M | $6.3M | $384K | 1.03% | 4.37% | 0.30% | 3,935 |
| Q3 2024 | $37.3M | $31.1M | $22.6M | $6.1M | $298K | 1.07% | 4.29% | 0.16% | 3,941 |
| Q2 2024 | $37.4M | $31.5M | $22.8M | $6.0M | $138K | 0.74% | 4.16% | 0.05% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.81% | 0.60% | 61th | |
Return on equity Annualized net income ÷ equity or net worth | 5.0% | 4.1% | 56th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.20% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,929 |
Loan mix (Q1 2026): real estate $10.3M · commercial $0 · consumer $12.2M · securities $12.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.1% | 81.5% | 37th |
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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