| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.2% | +1.3% | +5.9 pts |
| Share growth (YoY) | +9.7% | +0.7% | +9.1 pts |
| Loan growth (YoY) | +3.9% | -2.4% | +6.2 pts |
| ROA | 1.61% | 0.60% | +1.0 pts |
| ROE | 13.9% | 4.1% | +9.7 pts |
ROA ranks in the 87th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $81.7M | $71.7M | $53.3M | $9.5M | $328K | 1.61% | 3.62% | 1.43% | 10,471 |
| Q4 2025 | $75.8M | $66.2M | $53.9M | $9.2M | $587K | 0.77% | 4.12% | 1.41% | 10,458 |
| Q3 2025 | $75.9M | $65.8M | $52.7M | $9.5M | $925K | 1.62% | 4.10% | 1.05% | 8,819 |
| Q2 2025 | $75.0M | $64.6M | $51.9M | $9.1M | $370K | 0.99% | 4.23% | 2.51% | 10,653 |
| Q1 2025 | $76.2M | $65.3M | $51.3M | $8.9M | $175K | 0.92% | 4.12% | 0.40% | 10,719 |
| Q4 2024 | $74.6M | $64.8M | $52.3M | $8.8M | $1.1M | 1.50% | 4.18% | 0.37% | 9,066 |
| Q3 2024 | $76.0M | $65.9M | $52.6M | $8.5M | $849K | 1.49% | 4.10% | 0.49% | 9,100 |
| Q2 2024 | $80.0M | $66.4M | $52.9M | $7.6M | $-8K | -0.02% | 3.90% | 0.44% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.61% | 0.60% | 87th | |
Return on equity Annualized net income ÷ equity or net worth | 13.9% | 4.1% | 95th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.62% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 9,062 |
Loan mix (Q1 2026): real estate $31.7M · commercial $0 · consumer $21.0M · securities $7.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 85.9% | 81.5% | 60th |
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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