| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +15.8% | +3.9% | +11.9 pts |
| Share growth (YoY) | +16.0% | +3.3% | +12.7 pts |
| Loan growth (YoY) | +20.4% | +2.9% | +17.4 pts |
| ROA | 2.53% | 0.69% | +1.8 pts |
| ROE | 15.8% | 5.9% | +9.8 pts |
ROA ranks in the 99th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $101.6M | $85.2M | $91.5M | $16.3M | $642K | 2.53% | 3.13% | 5.08% | 3,051 |
| Q4 2025 | $95.4M | $79.7M | $84.5M | $15.6M | $1.9M | 1.98% | 2.85% | 5.31% | 3,064 |
| Q3 2025 | $90.8M | $75.6M | $74.2M | $15.1M | $1.4M | 2.00% | 2.87% | 7.52% | 3,020 |
| Q2 2025 | $91.3M | $76.6M | $75.1M | $14.7M | $907K | 1.99% | 2.86% | 5.28% | 3,040 |
| Q1 2025 | $87.7M | $73.5M | $76.0M | $14.1M | $397K | 1.81% | 2.93% | 4.33% | 3,110 |
| Q4 2024 | $85.5M | $71.7M | $70.7M | $13.8M | $1.2M | 1.39% | 2.53% | 5.99% | 3,091 |
| Q3 2024 | $79.8M | $66.1M | $65.1M | $13.6M | $1.0M | 1.75% | 2.65% | 1.24% | 3,071 |
| Q2 2024 | $74.1M | $60.9M | $58.5M | $13.2M | $605K | 1.63% | 2.65% | 2.71% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.53% | 0.69% | 99th | |
Return on equity Annualized net income ÷ equity or net worth | 15.8% | 5.9% | 98th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.13% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 3,078 |
Loan mix (Q1 2026): real estate $88.2M · commercial $800K · consumer $2.5M · securities $5.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 31.0% | 78.7% | 0th |
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.