| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.9% | +1.3% | +3.6 pts |
| Share growth (YoY) | +4.7% | +0.7% | +4.0 pts |
| Loan growth (YoY) | +5.8% | -2.4% | +8.2 pts |
| ROA | 0.77% | 0.60% | +0.2 pts |
| ROE | 6.7% | 4.1% | +2.6 pts |
ROA ranks in the 58th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $87.5M | $77.0M | $50.7M | $10.0M | $168K | 0.77% | 3.71% | 0.85% | 4,967 |
| Q4 2025 | $84.3M | $73.4M | $49.6M | $9.9M | $525K | 0.62% | 3.90% | 1.16% | 4,987 |
| Q3 2025 | $82.3M | $71.8M | $49.0M | $9.7M | $303K | 0.49% | 3.91% | 1.16% | 5,034 |
| Q2 2025 | $82.4M | $72.1M | $48.4M | $9.5M | $166K | 0.40% | 3.83% | 1.67% | 5,105 |
| Q1 2025 | $83.4M | $73.6M | $47.9M | $9.4M | $69K | 0.33% | 3.73% | 0.90% | 5,140 |
| Q4 2024 | $82.1M | $72.0M | $47.5M | $9.4M | $237K | 0.29% | 3.63% | 0.66% | 5,156 |
| Q3 2024 | $80.1M | $70.4M | $47.9M | $9.3M | $165K | 0.28% | 3.69% | 0.68% | 5,206 |
| Q2 2024 | $79.9M | $70.2M | $47.1M | $9.3M | $107K | 0.27% | 3.60% | 0.96% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.77% | 0.60% | 58th | |
Return on equity Annualized net income ÷ equity or net worth | 6.7% | 4.1% | 69th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.71% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 5,178 |
Loan mix (Q1 2026): real estate $19.1M · commercial $0 · consumer $28.4M · securities $23.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.0% | 81.5% | 51th |
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.