| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.0% | +1.3% | +4.7 pts |
| Share growth (YoY) | +3.9% | +0.7% | +3.3 pts |
| Loan growth (YoY) | -5.0% | -2.4% | -2.6 pts |
| ROA | 2.74% | 0.60% | +2.1 pts |
| ROE | 15.1% | 4.1% | +11.0 pts |
ROA ranks in the 97th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $48.2M | $39.4M | $15.7M | $8.7M | $330K | 2.74% | 3.79% | 0.33% | 3,330 |
| Q4 2025 | $46.0M | $37.6M | $16.4M | $8.4M | $1.3M | 2.85% | 4.13% | 0.39% | 3,349 |
| Q3 2025 | $45.0M | $36.8M | $17.3M | $8.1M | $1.0M | 2.99% | 4.24% | 0.39% | 3,364 |
| Q2 2025 | $45.5M | $37.6M | $16.6M | $7.8M | $652K | 2.87% | 4.14% | 0.29% | 3,342 |
| Q1 2025 | $45.4M | $37.9M | $16.5M | $7.4M | $332K | 2.92% | 4.09% | 0.05% | 3,344 |
| Q4 2024 | $43.9M | $36.7M | $16.0M | $7.1M | $1.1M | 2.48% | 3.75% | 0.18% | 3,321 |
| Q3 2024 | $43.4M | $36.4M | $16.1M | $6.9M | $855K | 2.63% | 3.66% | 0.71% | 3,322 |
| Q2 2024 | $43.8M | $37.2M | $15.9M | $6.5M | $518K | 2.36% | 3.39% | 0.74% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.74% | 0.60% | 97th | |
Return on equity Annualized net income ÷ equity or net worth | 15.1% | 4.1% | 96th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.79% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,323 |
Loan mix (Q1 2026): real estate $14K · commercial $0 · consumer $14.8M · securities $29.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 35.7% | 81.5% | 2th |
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.