| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +13.9% | +1.3% | +12.6 pts |
| Share growth (YoY) | +15.1% | +0.7% | +14.4 pts |
| Loan growth (YoY) | +6.4% | -2.4% | +8.8 pts |
| ROA | 0.91% | 0.60% | +0.3 pts |
| ROE | 4.1% | 4.1% | +0.0 pts |
ROA ranks in the 65th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $21.0M | $16.6M | $5.9M | $4.6M | $48K | 0.91% | 3.47% | 0.53% | 1,358 |
| Q4 2025 | $20.1M | $15.8M | $5.9M | $4.6M | $184K | 0.92% | 3.41% | 0.39% | 1,366 |
| Q3 2025 | $19.7M | $15.5M | $6.1M | $4.5M | $87K | 0.59% | 3.43% | 0.79% | 1,372 |
| Q2 2025 | $19.3M | $15.2M | $5.9M | $4.4M | $72K | 0.75% | 3.52% | 1.02% | 1,384 |
| Q1 2025 | $18.4M | $14.4M | $5.5M | $4.4M | $39K | 0.85% | 3.43% | 2.79% | 1,389 |
| Q4 2024 | $18.0M | $14.1M | $5.6M | $4.4M | $145K | 0.80% | 3.42% | 2.20% | 1,395 |
| Q3 2024 | $18.2M | $14.3M | $5.6M | $4.3M | $85K | 0.62% | 3.34% | 3.20% | 1,398 |
| Q2 2024 | $17.7M | $13.9M | $5.7M | $4.3M | $50K | 0.57% | 3.44% | 0.62% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.91% | 0.60% | 65th | |
Return on equity Annualized net income ÷ equity or net worth | 4.1% | 4.1% | 50th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.47% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,430 |
Loan mix (Q1 2026): real estate $2.8M · commercial $0 · consumer $2.7M · securities $13.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.7% | 81.5% | 36th |
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.