| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.2% | +1.3% | +1.9 pts |
| Share growth (YoY) | +2.6% | +0.7% | +1.9 pts |
| Loan growth (YoY) | +9.2% | -2.4% | +11.5 pts |
| ROA | 0.44% | 0.60% | -0.2 pts |
| ROE | 5.7% | 4.1% | +1.6 pts |
ROA ranks in the 42nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $89.8M | $82.3M | $58.7M | $6.9M | $99K | 0.44% | 3.61% | 1.72% | 8,022 |
| Q4 2025 | $87.5M | $80.2M | $60.1M | $6.8M | $501K | 0.57% | 3.73% | 2.01% | 8,024 |
| Q3 2025 | $88.1M | $81.0M | $60.5M | $6.7M | $367K | 0.56% | 3.67% | 1.47% | 8,109 |
| Q2 2025 | $86.7M | $79.9M | $56.7M | $6.5M | $162K | 0.37% | 3.63% | 1.61% | 8,006 |
| Q1 2025 | $87.0M | $80.2M | $53.8M | $6.4M | $112K | 0.51% | 3.60% | 2.47% | 7,979 |
| Q4 2024 | $83.8M | $77.1M | $54.7M | $6.3M | $324K | 0.39% | 3.75% | 2.04% | 8,590 |
| Q3 2024 | $80.3M | $73.9M | $56.6M | $6.1M | $162K | 0.27% | 3.90% | 1.78% | 8,778 |
| Q2 2024 | $83.0M | $76.3M | $58.1M | $6.1M | $118K | 0.28% | 3.73% | 0.68% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.44% | 0.60% | 42th | |
Return on equity Annualized net income ÷ equity or net worth | 5.7% | 4.1% | 62th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.61% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 8,798 |
Loan mix (Q1 2026): real estate $11.1M · commercial $4.8M · consumer $42.7M · securities $21.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.5% | 81.5% | 38th |
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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