| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.7% | +1.3% | +0.4 pts |
| Share growth (YoY) | -0.1% | +0.7% | -0.8 pts |
| Loan growth (YoY) | +1.4% | -2.4% | +3.8 pts |
| ROA | 1.72% | 0.60% | +1.1 pts |
| ROE | 14.9% | 4.1% | +10.8 pts |
ROA ranks in the 90th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $86.5M | $76.4M | $45.8M | $10.0M | $373K | 1.72% | 4.33% | 0.05% | 5,663 |
| Q4 2025 | $83.9M | $74.1M | $44.6M | $9.7M | $1.3M | 1.55% | 4.36% | 0.06% | 5,688 |
| Q3 2025 | $82.7M | $73.4M | $44.1M | $9.3M | $1.1M | 1.75% | 4.70% | 0.25% | 5,692 |
| Q2 2025 | $83.7M | $74.9M | $44.8M | $8.8M | $489K | 1.17% | 4.27% | 0.29% | 5,789 |
| Q1 2025 | $85.0M | $76.5M | $45.2M | $8.5M | $111K | 0.52% | 4.10% | 0.06% | 5,857 |
| Q4 2024 | $84.3M | $75.9M | $46.0M | $8.4M | $1.1M | 1.28% | 3.92% | 0.45% | 5,925 |
| Q3 2024 | $84.1M | $76.0M | $47.3M | $8.0M | $765K | 1.21% | 3.85% | 0.13% | 5,936 |
| Q2 2024 | $85.0M | $77.0M | $47.8M | $7.8M | $484K | 1.14% | 3.71% | 0.25% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.72% | 0.60% | 90th | |
Return on equity Annualized net income ÷ equity or net worth | 14.9% | 4.1% | 96th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.33% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 5,958 |
Loan mix (Q1 2026): real estate $18.6M · commercial $52K · consumer $22.6M · securities $28.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.4% | 81.5% | 17th |
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% |
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