| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +13.2% | +1.3% | +11.8 pts |
| Share growth (YoY) | +13.5% | +0.7% | +12.9 pts |
| Loan growth (YoY) | +15.1% | -2.4% | +17.5 pts |
| ROA | 1.09% | 0.60% | +0.5 pts |
| ROE | 8.0% | 4.1% | +3.9 pts |
ROA ranks in the 72nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $83.6M | $71.5M | $55.3M | $11.4M | $228K | 1.09% | 2.33% | 0.90% | 2,850 |
| Q4 2025 | $80.9M | $69.0M | $54.5M | $11.2M | $851K | 1.05% | 2.46% | 1.41% | 2,841 |
| Q3 2025 | $75.9M | $64.5M | $53.2M | $11.0M | $714K | 1.25% | 2.78% | 3.70% | 2,811 |
| Q2 2025 | $74.7M | $63.4M | $51.2M | $10.8M | $454K | 1.22% | 2.73% | 2.47% | 3,420 |
| Q1 2025 | $73.8M | $63.0M | $48.0M | $10.6M | $262K | 1.42% | 2.60% | 0.75% | 3,137 |
| Q4 2024 | $70.3M | $59.6M | $45.3M | $10.3M | $828K | 1.18% | 2.36% | 0.93% | 2,855 |
| Q3 2024 | $69.2M | $58.6M | $43.4M | $10.0M | $555K | 1.07% | 2.36% | 0.47% | 2,654 |
| Q2 2024 | $67.4M | $57.0M | $41.4M | $9.9M | $396K | 1.17% | 2.57% | 0.37% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.09% | 0.60% | 72th | |
Return on equity Annualized net income ÷ equity or net worth | 8.0% | 4.1% | 76th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.33% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,580 |
Loan mix (Q1 2026): real estate $7.7M · commercial $2.2M · consumer $40.1M · securities $23.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 49.1% | 81.5% | 4th |
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.