| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +32.4% | +1.3% | +31.1 pts |
| Share growth (YoY) | +33.2% | +0.7% | +32.6 pts |
| Loan growth (YoY) | +13.4% | -2.4% | +15.8 pts |
| ROA | 1.02% | 0.60% | +0.4 pts |
| ROE | 6.6% | 4.1% | +2.5 pts |
ROA ranks in the 70th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $87.9M | $76.3M | $51.4M | $13.5M | $224K | 1.02% | 4.10% | 1.13% | 7,550 |
| Q4 2025 | $87.0M | $75.4M | $52.9M | $10.4M | $1.5M | 1.75% | 4.33% | 1.68% | 7,764 |
| Q3 2025 | $87.6M | $74.5M | $53.7M | $12.9M | $1.0M | 1.52% | 4.13% | 1.39% | 8,075 |
| Q2 2025 | $65.5M | $56.2M | $45.9M | $9.3M | $374K | 1.14% | 4.21% | 0.90% | 4,963 |
| Q1 2025 | $66.4M | $57.3M | $45.3M | $9.1M | $142K | 0.85% | 4.10% | 0.62% | 4,984 |
| Q4 2024 | $65.4M | $56.4M | $45.0M | $8.9M | $676K | 1.03% | 3.89% | 1.61% | 5,019 |
| Q3 2024 | $65.4M | $56.5M | $44.5M | $8.9M | $529K | 1.08% | 3.87% | 1.39% | 5,055 |
| Q2 2024 | $65.9M | $57.6M | $43.4M | $8.6M | $222K | 0.67% | 3.78% | 1.21% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.02% | 0.60% | 70th | |
Return on equity Annualized net income ÷ equity or net worth | 6.6% | 4.1% | 68th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.10% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 5,079 |
Loan mix (Q1 2026): real estate $31.2M · commercial $0 · consumer $18.3M · securities $20.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.9% | 81.5% | 46th |
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.