| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.2% | +3.9% | -0.7 pts |
| Share growth (YoY) | +3.1% | +3.3% | -0.2 pts |
| Loan growth (YoY) | -4.2% | +2.9% | -7.2 pts |
| ROA | 1.03% | 0.69% | +0.3 pts |
| ROE | 7.6% | 5.9% | +1.7 pts |
ROA ranks in the 71st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $101.5M | $86.5M | $61.3M | $13.7M | $262K | 1.03% | 3.43% | 0.38% | 9,472 |
| Q4 2025 | $97.8M | $82.7M | $62.9M | $13.5M | $759K | 0.78% | 3.74% | 0.48% | 9,567 |
| Q3 2025 | $96.7M | $82.4M | $64.0M | $13.2M | $460K | 0.63% | 3.68% | 0.52% | 9,594 |
| Q2 2025 | $98.4M | $83.6M | $64.8M | $13.1M | $307K | 0.62% | 3.56% | 0.52% | 9,835 |
| Q1 2025 | $98.4M | $83.9M | $64.0M | $13.0M | $177K | 0.72% | 3.51% | 0.33% | 9,844 |
| Q4 2024 | $95.9M | $81.5M | $67.5M | $12.9M | $886K | 0.92% | 3.54% | 0.28% | 9,914 |
| Q3 2024 | $95.3M | $81.1M | $70.8M | $12.5M | $560K | 0.78% | 3.45% | 0.20% | 9,958 |
| Q2 2024 | $94.1M | $80.4M | $71.5M | $12.3M | $372K | 0.79% | 3.39% | 0.15% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.03% | 0.69% | 71th | |
Return on equity Annualized net income ÷ equity or net worth | 7.6% | 5.9% | 64th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.43% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 10,063 |
Loan mix (Q1 2026): real estate $13.5M · commercial $827K · consumer $43.0M · securities $24.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.7% | 78.7% | 46th |
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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