| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +15.3% | +1.3% | +13.9 pts |
| Share growth (YoY) | +15.9% | +0.7% | +15.3 pts |
| Loan growth (YoY) | +5.8% | -2.4% | +8.1 pts |
| ROA | 0.96% | 0.60% | +0.4 pts |
| ROE | 10.7% | 4.1% | +6.6 pts |
ROA ranks in the 67th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $48.7M | $44.1M | $36.8M | $4.4M | $117K | 0.96% | 3.67% | 0.54% | 2,866 |
| Q4 2025 | $46.5M | $41.9M | $36.6M | $4.3M | $550K | 1.19% | 3.88% | 0.42% | 2,842 |
| Q3 2025 | $45.3M | $40.7M | $36.4M | $4.4M | $694K | 2.04% | 3.91% | 0.70% | 2,844 |
| Q2 2025 | $43.6M | $39.3M | $35.5M | $4.1M | $424K | 1.94% | 3.98% | 0.50% | 2,824 |
| Q1 2025 | $42.2M | $38.1M | $34.8M | $3.9M | $190K | 1.80% | 4.01% | 0.18% | 2,782 |
| Q4 2024 | $40.2M | $36.2M | $34.3M | $3.7M | $402K | 1.00% | 3.79% | 0.37% | 2,747 |
| Q3 2024 | $38.7M | $34.8M | $32.9M | $3.9M | $538K | 1.85% | 3.80% | 0.50% | 2,727 |
| Q2 2024 | $37.8M | $34.0M | $31.9M | $3.7M | $355K | 1.88% | 3.79% | 0.55% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.96% | 0.60% | 67th | |
Return on equity Annualized net income ÷ equity or net worth | 10.7% | 4.1% | 87th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.67% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,690 |
Loan mix (Q1 2026): real estate $5.3M · commercial $0 · consumer $23.4M · securities $3.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.4% | 81.5% | 22th |
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.