| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.6% | +3.9% | +0.7 pts |
| Share growth (YoY) | +3.7% | +3.3% | +0.4 pts |
| Loan growth (YoY) | +16.0% | +2.9% | +13.1 pts |
| ROA | 1.35% | 0.69% | +0.7 pts |
| ROE | 12.0% | 5.9% | +6.0 pts |
ROA ranks in the 85th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $108.2M | $97.1M | $52.9M | $12.2M | $365K | 1.35% | 3.74% | 0.06% | 8,211 |
| Q4 2025 | $104.7M | $94.1M | $51.0M | $11.9M | $1.3M | 1.21% | 3.68% | 0.10% | 8,099 |
| Q3 2025 | $104.2M | $93.5M | $48.6M | $11.5M | $935K | 1.20% | 3.66% | 0.02% | 8,012 |
| Q2 2025 | $102.4M | $92.2M | $46.4M | $11.2M | $578K | 1.13% | 3.67% | 0.10% | 7,905 |
| Q1 2025 | $103.5M | $93.6M | $45.6M | $10.9M | $285K | 1.10% | 3.54% | 0.10% | 7,794 |
| Q4 2024 | $101.2M | $91.7M | $45.0M | $10.6M | $892K | 0.88% | 3.23% | 0.19% | 7,687 |
| Q3 2024 | $99.3M | $89.7M | $44.2M | $10.4M | $632K | 0.85% | 3.17% | 0.12% | 7,593 |
| Q2 2024 | $96.8M | $87.6M | $42.1M | $10.1M | $385K | 0.80% | 3.11% | 0.94% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.35% | 0.69% | 85th | |
Return on equity Annualized net income ÷ equity or net worth | 12.0% | 5.9% | 90th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.74% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 7,497 |
Loan mix (Q1 2026): real estate $28.8M · commercial $0 · consumer $18.7M · securities $46.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.3% | 78.7% | 27th |
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.