| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.3% | +1.3% | +6.0 pts |
| Share growth (YoY) | +8.1% | +0.7% | +7.4 pts |
| Loan growth (YoY) | +4.7% | -2.4% | +7.1 pts |
| ROA | 1.07% | 0.60% | +0.5 pts |
| ROE | 4.7% | 4.1% | +0.6 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 | $6.4M | $4.9M | $3.4M | $1.5M | $17K | 1.07% | 3.60% | 0.00% | 588 |
| Q4 2025 | $6.6M | $5.1M | $3.5M | $1.5M | $100K | 1.52% | 3.81% | 0.00% | 599 |
| Q3 2025 | $6.3M | $4.8M | $3.5M | $1.4M | $81K | 1.74% | 4.04% | 0.00% | 959 |
| Q2 2025 | $6.1M | $4.7M | $3.5M | $1.4M | $59K | 1.94% | 4.44% | 0.00% | 959 |
| Q1 2025 | $6.0M | $4.6M | $3.3M | $1.4M | $34K | 2.24% | 4.62% | 0.00% | 959 |
| Q4 2024 | $5.9M | $4.5M | $3.3M | $1.4M | $113K | 1.92% | 4.38% | 0.00% | 959 |
| Q3 2024 | $5.9M | $4.6M | $3.3M | $1.3M | $66K | 1.48% | 3.89% | 0.00% | 613 |
| Q2 2024 | $6.0M | $4.7M | $3.4M | $1.3M | $39K | 1.32% | 3.63% | 0.00% | 628 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.07% | 0.60% | 71th | |
Return on equity Annualized net income ÷ equity or net worth | 4.7% | 4.1% | 55th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.60% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $102K · commercial $0 · consumer $2.5M · securities $2.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.7% | 81.5% | 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% |
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