| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.7% | +3.9% | +1.8 pts |
| Share growth (YoY) | +10.1% | +3.3% | +6.8 pts |
| Loan growth (YoY) | +2.9% | +2.9% | +0.0 pts |
| ROA | 1.06% | 0.69% | +0.4 pts |
| ROE | 12.0% | 5.9% | +6.1 pts |
ROA ranks in the 73rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $115.1M | $102.5M | $73.1M | $10.1M | $305K | 1.06% | 3.01% | 1.69% | 7,544 |
| Q4 2025 | $112.8M | $100.7M | $73.4M | $9.8M | $212K | 0.19% | 3.05% | 0.90% | 7,616 |
| Q3 2025 | $116.1M | $99.0M | $73.4M | $10.7M | $650K | 0.75% | 2.97% | 0.87% | 8,303 |
| Q2 2025 | $115.2M | $98.2M | $72.4M | $10.5M | $484K | 0.84% | 2.96% | 0.83% | 7,908 |
| Q1 2025 | $108.9M | $93.0M | $71.0M | $9.2M | $311K | 1.14% | 2.99% | 0.86% | 7,306 |
| Q4 2024 | $107.8M | $87.8M | $73.0M | $8.9M | $508K | 0.47% | 3.08% | 2.26% | 7,354 |
| Q3 2024 | $106.1M | $85.5M | $75.0M | $9.3M | $440K | 0.55% | 3.19% | 1.84% | 7,404 |
| Q2 2024 | $102.2M | $81.4M | $76.7M | $9.2M | $303K | 0.59% | 3.37% | 1.66% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.06% | 0.69% | 73th | |
Return on equity Annualized net income ÷ equity or net worth | 12.0% | 5.9% | 90th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.01% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 7,407 |
Loan mix (Q1 2026): real estate $36.9M · commercial $9.0M · consumer $24.7M · securities $24.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 90.3% | 78.7% | 86th |
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% |
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