| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.0% | +1.3% | +2.7 pts |
| Share growth (YoY) | +3.0% | +0.7% | +2.3 pts |
| Loan growth (YoY) | +2.2% | -2.4% | +4.5 pts |
| ROA | 1.53% | 0.60% | +0.9 pts |
| ROE | 10.3% | 4.1% | +6.2 pts |
ROA ranks in the 86th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $59.4M | $50.1M | $22.0M | $8.8M | $227K | 1.53% | 3.41% | 0.09% | 3,627 |
| Q4 2025 | $58.2M | $49.3M | $22.0M | $8.6M | $727K | 1.25% | 3.21% | 0.88% | 3,667 |
| Q3 2025 | $57.6M | $48.9M | $22.2M | $8.4M | $563K | 1.30% | 3.12% | 0.91% | 3,675 |
| Q2 2025 | $57.8M | $49.3M | $21.9M | $8.2M | $302K | 1.04% | 2.96% | 0.06% | 3,705 |
| Q1 2025 | $57.1M | $48.7M | $21.5M | $8.0M | $149K | 1.04% | 2.93% | 0.24% | 3,734 |
| Q4 2024 | $55.2M | $47.0M | $22.0M | $7.9M | $485K | 0.88% | 2.88% | 0.29% | 3,765 |
| Q3 2024 | $55.6M | $47.6M | $21.5M | $7.7M | $345K | 0.83% | 2.79% | 0.22% | 3,772 |
| Q2 2024 | $56.1M | $48.0M | $21.6M | $7.6M | $172K | 0.61% | 2.65% | 0.27% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.53% | 0.60% | 86th | |
Return on equity Annualized net income ÷ equity or net worth | 10.3% | 4.1% | 86th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.41% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,811 |
Loan mix (Q1 2026): real estate $3.6M · commercial $0 · consumer $13.7M · securities $30.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.5% | 81.5% | 19th |
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.