| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +18.9% | +1.3% | +17.6 pts |
| Share growth (YoY) | +20.4% | +0.7% | +19.7 pts |
| Loan growth (YoY) | +50.9% | -2.4% | +53.3 pts |
| ROA | 0.65% | 0.60% | +0.0 pts |
| ROE | 9.1% | 4.1% | +5.0 pts |
ROA ranks in the 52nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $45.9M | $42.2M | $37.1M | $3.3M | $75K | 0.65% | 4.76% | 1.48% | 4,157 |
| Q4 2025 | $45.9M | $40.8M | $34.6M | $3.2M | $183K | 0.40% | 3.81% | 0.93% | 4,120 |
| Q3 2025 | $44.6M | $41.0M | $31.5M | $3.1M | $99K | 0.30% | 3.71% | 1.38% | 3,837 |
| Q2 2025 | $40.9M | $37.4M | $24.5M | $3.0M | $35K | 0.17% | 3.92% | 0.78% | 3,733 |
| Q1 2025 | $38.6M | $35.1M | $24.6M | $3.0M | $21K | 0.22% | 4.13% | 0.76% | 3,691 |
| Q4 2024 | $38.3M | $34.5M | $24.9M | $3.0M | $165K | 0.43% | 3.78% | 0.43% | 3,699 |
| Q3 2024 | $38.4M | $34.2M | $24.4M | $2.9M | $22K | 0.07% | 2.83% | 0.62% | 3,788 |
| Q2 2024 | $38.1M | $34.7M | $23.0M | $2.9M | $21K | 0.11% | 2.99% | 0.83% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.65% | 0.60% | 52th | |
Return on equity Annualized net income ÷ equity or net worth | 9.1% | 4.1% | 81th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.76% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,897 |
Loan mix (Q1 2026): real estate $20.5M · commercial $2.8M · consumer $13.0M · securities $8.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 86.7% | 81.5% | 62th |
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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