| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.3% | +1.3% | +3.0 pts |
| Share growth (YoY) | +2.0% | +0.7% | +1.3 pts |
| Loan growth (YoY) | +10.2% | -2.4% | +12.6 pts |
| ROA | 2.39% | 0.60% | +1.8 pts |
| ROE | 16.7% | 4.1% | +12.6 pts |
ROA ranks in the 97th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $29.2M | $25.0M | $15.1M | $4.2M | $175K | 2.39% | 4.67% | 0.26% | 2,443 |
| Q4 2025 | $29.0M | $24.9M | $15.2M | $4.0M | $734K | 2.53% | 4.71% | 0.57% | 2,421 |
| Q3 2025 | $27.9M | $24.0M | $14.8M | $3.9M | $566K | 2.71% | 4.88% | 0.50% | 2,392 |
| Q2 2025 | $29.0M | $25.3M | $14.6M | $3.7M | $381K | 2.63% | 4.61% | 0.68% | 2,429 |
| Q1 2025 | $28.0M | $24.5M | $13.7M | $3.5M | $190K | 2.71% | 4.67% | 0.31% | 2,392 |
| Q4 2024 | $26.7M | $23.4M | $13.4M | $3.3M | $611K | 2.29% | 4.57% | 0.40% | 2,371 |
| Q3 2024 | $26.6M | $23.4M | $13.4M | $3.1M | $455K | 2.28% | 4.51% | 0.46% | 2,348 |
| Q2 2024 | $27.0M | $24.0M | $12.7M | $3.0M | $279K | 2.07% | 4.29% | 0.61% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.39% | 0.60% | 97th | |
Return on equity Annualized net income ÷ equity or net worth | 16.7% | 4.1% | 97th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.67% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,371 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $12.5M · securities $10.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 51.9% | 81.5% | 6th |
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.