| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.6% | +1.3% | +5.3 pts |
| Share growth (YoY) | +6.3% | +0.7% | +5.6 pts |
| Loan growth (YoY) | +9.9% | -2.4% | +12.2 pts |
| ROA | 1.21% | 0.60% | +0.6 pts |
| ROE | 10.9% | 4.1% | +6.8 pts |
ROA ranks in the 77th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $40.3M | $35.4M | $9.0M | $4.5M | $122K | 1.21% | 3.50% | 0.56% | 2,391 |
| Q4 2025 | $38.5M | $33.7M | $8.7M | $4.3M | $429K | 1.11% | 3.37% | 0.74% | 2,392 |
| Q3 2025 | $38.1M | $33.4M | $8.3M | $4.2M | $303K | 1.06% | 3.33% | 0.78% | 2,397 |
| Q2 2025 | $38.6M | $34.0M | $8.2M | $4.1M | $188K | 0.97% | 3.20% | 0.59% | 2,465 |
| Q1 2025 | $37.8M | $33.3M | $8.2M | $4.0M | $80K | 0.85% | 3.09% | 0.41% | 2,471 |
| Q4 2024 | $36.5M | $32.4M | $8.4M | $3.9M | $297K | 0.82% | 3.06% | 0.61% | 2,476 |
| Q3 2024 | $36.5M | $32.6M | $8.6M | $3.8M | $207K | 0.76% | 2.99% | 0.74% | 2,498 |
| Q2 2024 | $37.1M | $33.1M | $8.6M | $3.7M | $124K | 0.67% | 2.84% | 0.51% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.21% | 0.60% | 77th | |
Return on equity Annualized net income ÷ equity or net worth | 10.9% | 4.1% | 88th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.50% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,550 |
Loan mix (Q1 2026): real estate $2.2M · commercial $0 · consumer $6.7M · securities $28.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 72.3% | 81.5% | 29th |
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.