| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.5% | +3.9% | +6.6 pts |
| Share growth (YoY) | +10.5% | +3.3% | +7.2 pts |
| Loan growth (YoY) | +10.5% | +2.9% | +7.5 pts |
| ROA | 0.37% | 0.69% | -0.3 pts |
| ROE | 4.1% | 5.9% | -1.8 pts |
ROA ranks in the 27th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $117.0M | $105.9M | $69.6M | $10.5M | $108K | 0.37% | 3.00% | 0.52% | 7,032 |
| Q4 2025 | $109.5M | $98.5M | $69.6M | $10.4M | $835K | 0.76% | 3.30% | 1.06% | 7,013 |
| Q3 2025 | $105.8M | $95.0M | $68.7M | $10.2M | $616K | 0.78% | 3.40% | 1.16% | 6,974 |
| Q2 2025 | $106.1M | $95.6M | $66.9M | $10.0M | $398K | 0.75% | 3.35% | 0.49% | 6,909 |
| Q1 2025 | $105.9M | $95.8M | $63.0M | $9.7M | $153K | 0.58% | 3.32% | 0.34% | 6,788 |
| Q4 2024 | $103.6M | $93.6M | $59.6M | $9.6M | $898K | 0.87% | 3.16% | 0.66% | 6,669 |
| Q3 2024 | $102.2M | $92.4M | $55.5M | $9.3M | $633K | 0.83% | 3.14% | 0.84% | 6,570 |
| Q2 2024 | $101.1M | $91.9M | $52.7M | $9.0M | $370K | 0.73% | 3.07% | 0.77% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.37% | 0.69% | 27th | |
Return on equity Annualized net income ÷ equity or net worth | 4.1% | 5.9% | 34th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.00% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 6,481 |
Loan mix (Q1 2026): real estate $17.0M · commercial $0 · consumer $47.4M · securities $14.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 88.4% | 78.7% | 81th |
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.