| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.8% | +3.9% | +3.9 pts |
| Share growth (YoY) | +7.3% | +3.3% | +4.0 pts |
| Loan growth (YoY) | +14.1% | +2.9% | +11.2 pts |
| ROA | 2.59% | 0.69% | +1.9 pts |
| ROE | 20.8% | 5.9% | +14.9 pts |
ROA ranks in the 99th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $116.8M | $101.6M | $53.1M | $14.6M | $757K | 2.59% | 3.76% | 0.51% | 10,986 |
| Q4 2025 | $115.8M | $101.0M | $49.9M | $13.8M | $1.8M | 1.54% | 3.52% | 0.54% | 10,130 |
| Q3 2025 | $113.9M | $99.5M | $48.9M | $13.5M | $1.5M | 1.72% | 3.52% | 0.34% | 10,019 |
| Q2 2025 | $110.7M | $96.9M | $50.5M | $12.8M | $737K | 1.33% | 3.52% | 0.76% | 9,908 |
| Q1 2025 | $108.3M | $94.6M | $46.5M | $12.5M | $477K | 1.76% | 3.51% | 0.40% | 9,768 |
| Q4 2024 | $108.8M | $96.7M | $47.9M | $12.0M | $1.7M | 1.52% | 3.75% | 0.73% | 9,708 |
| Q3 2024 | $107.3M | $95.3M | $49.6M | $11.8M | $1.4M | 1.73% | 3.86% | 0.37% | 9,668 |
| Q2 2024 | $104.5M | $93.0M | $51.3M | $11.4M | $1.0M | 1.96% | 3.92% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.59% | 0.69% | 99th | |
Return on equity Annualized net income ÷ equity or net worth | 20.8% | 5.9% | 99th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.76% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.21% |
| 9,604 |
Loan mix (Q1 2026): real estate $22.1M · commercial $0 · consumer $24.2M · securities $47.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 55.1% | 78.7% | 4th |
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.