| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +46.4% | +1.3% | +45.1 pts |
| Share growth (YoY) | +13.3% | +0.7% | +12.6 pts |
| Loan growth (YoY) | +69.2% | -2.4% | +71.6 pts |
| ROA | 20.09% | 0.60% | +19.5 pts |
| ROE | 43.3% | 4.1% | +39.2 pts |
ROA ranks in the 100th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $8.5M | $4.5M | $1.5M | $4.0M | $428K | 20.09% | 3.43% | 12.39% | 2,722 |
| Q4 2025 | $7.7M | $3.7M | $1.1M | $3.5M | $2.2M | 28.50% | 2.79% | 4.73% | 2,759 |
| Q3 2025 | $7.0M | $3.8M | $855K | $3.2M | $1.9M | 36.11% | 3.16% | 20.24% | 2,696 |
| Q2 2025 | $5.8M | $3.9M | $886K | $1.9M | $564K | 19.33% | 3.86% | 23.58% | 2,665 |
| Q1 2025 | $5.8M | $4.0M | $872K | $1.8M | $462K | 31.77% | 4.01% | 10.33% | 2,625 |
| Q4 2024 | $5.5M | $4.2M | $747K | $1.3M | $695K | 12.62% | 4.37% | 15.03% | 2,530 |
| Q3 2024 | $5.9M | $4.3M | $735K | $1.5M | $909K | 20.57% | 4.04% | 16.87% | 2,484 |
| Q2 2024 | $5.2M | $4.1M | $650K | $1.0M | $418K | 16.03% | 4.47% | 14.96% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 20.09% | 0.60% | 100th | |
Return on equity Annualized net income ÷ equity or net worth | 43.3% | 4.1% | 100th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.43% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,447 |
Loan mix (Q1 2026): real estate $815K · commercial $80K · consumer $336K · securities $1.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 27.9% | 81.5% | 1th |
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.