| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.3% | +1.3% | +0.0 pts |
| Share growth (YoY) | -0.6% | +0.7% | -1.2 pts |
| Loan growth (YoY) | +1.1% | -2.4% | +3.5 pts |
| ROA | 3.02% | 0.60% | +2.4 pts |
| ROE | 14.5% | 4.1% | +10.4 pts |
ROA ranks in the 98th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $14.1M | $11.1M | $6.7M | $2.9M | $106K | 3.02% | 7.24% | 0.00% | 1,892 |
| Q4 2025 | $13.7M | $10.8M | $6.9M | $2.9M | $227K | 1.65% | 3.66% | 0.53% | 1,903 |
| Q3 2025 | $13.9M | $11.0M | $7.0M | $2.8M | $192K | 1.84% | 3.85% | 0.25% | 1,908 |
| Q2 2025 | $14.0M | $11.2M | $6.7M | $2.7M | $94K | 1.34% | 3.49% | 0.09% | 1,934 |
| Q1 2025 | $13.9M | $11.1M | $6.6M | $2.7M | $54K | 1.55% | 3.49% | 1.00% | 1,956 |
| Q4 2024 | $13.7M | $11.0M | $6.9M | $2.6M | $220K | 1.61% | 3.59% | 0.66% | 1,958 |
| Q3 2024 | $13.6M | $11.0M | $7.0M | $2.6M | $207K | 2.03% | 3.62% | 0.91% | 1,958 |
| Q2 2024 | $14.3M | $11.5M | $6.9M | $2.5M | $97K | 1.36% | 3.40% | 0.89% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 3.02% | 0.60% | 98th | |
Return on equity Annualized net income ÷ equity or net worth | 14.5% | 4.1% | 96th | |
Net interest margin Interest income − interest expense, ÷ assets | 7.24% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,971 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $4.7M · securities $5.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 58.3% | 81.5% | 10th |
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.