| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.0% | +1.3% | +5.7 pts |
| Share growth (YoY) | +5.4% | +0.7% | +4.7 pts |
| Loan growth (YoY) | +10.0% | -2.4% | +12.4 pts |
| ROA | 2.51% | 0.60% | +1.9 pts |
| ROE | 14.5% | 4.1% | +10.4 pts |
ROA ranks in the 97th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $37.5M | $30.8M | $25.4M | $6.5M | $235K | 2.51% | 4.58% | 0.11% | 3,918 |
| Q4 2025 | $36.8M | $30.4M | $25.2M | $6.2M | $857K | 2.33% | 4.82% | 0.16% | 3,899 |
| Q3 2025 | $35.8M | $29.5M | $25.1M | $6.1M | $672K | 2.50% | 4.98% | 0.21% | 3,870 |
| Q2 2025 | $36.1M | $30.0M | $24.4M | $5.8M | $450K | 2.49% | 4.92% | 0.29% | 3,875 |
| Q1 2025 | $35.1M | $29.2M | $23.1M | $5.6M | $217K | 2.48% | 5.05% | 0.60% | 3,787 |
| Q4 2024 | $34.0M | $28.4M | $22.2M | $5.4M | $955K | 2.81% | 5.16% | 0.54% | 3,758 |
| Q3 2024 | $34.1M | $28.8M | $22.0M | $5.2M | $707K | 2.76% | 5.08% | 0.20% | 3,748 |
| Q2 2024 | $34.0M | $28.9M | $21.6M | $4.9M | $453K | 2.66% | 5.01% | 0.35% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.51% | 0.60% | 97th | |
Return on equity Annualized net income ÷ equity or net worth | 14.5% | 4.1% | 96th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.58% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,470 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $22.3M · securities $8.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.8% | 81.5% | 16th |
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.