| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.7% | +1.3% | +2.4 pts |
| Share growth (YoY) | +3.2% | +0.7% | +2.5 pts |
| Loan growth (YoY) | +5.9% | -2.4% | +8.2 pts |
| ROA | 0.83% | 0.60% | +0.2 pts |
| ROE | 9.7% | 4.1% | +5.6 pts |
ROA ranks in the 61st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $19.2M | $17.5M | $11.4M | $1.6M | $40K | 0.83% | 3.79% | 0.10% | 1,978 |
| Q4 2025 | $18.3M | $16.6M | $11.3M | $1.6M | $171K | 0.94% | 4.16% | 0.28% | 1,979 |
| Q3 2025 | $17.9M | $16.3M | $11.3M | $1.6M | $136K | 1.01% | 4.24% | 0.32% | 2,111 |
| Q2 2025 | $18.5M | $16.9M | $10.6M | $1.5M | $86K | 0.93% | 4.04% | 0.10% | 2,964 |
| Q1 2025 | $18.5M | $17.0M | $10.8M | $1.5M | $43K | 0.93% | 4.06% | 0.40% | 2,951 |
| Q4 2024 | $18.4M | $16.9M | $10.6M | $1.4M | $169K | 0.92% | 3.56% | 0.31% | 2,935 |
| Q3 2024 | $16.8M | $15.4M | $10.4M | $1.3M | $72K | 0.57% | 3.82% | 0.26% | 2,915 |
| Q2 2024 | $16.8M | $15.4M | $10.4M | $1.3M | $39K | 0.46% | 3.77% | 0.24% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.83% | 0.60% | 61th | |
Return on equity Annualized net income ÷ equity or net worth | 9.7% | 4.1% | 83th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.79% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,896 |
Loan mix (Q1 2026): real estate $7.4M · commercial $0 · consumer $3.7M · securities $5.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.8% | 81.5% | 43th |
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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