| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.7% | +1.3% | +3.4 pts |
| Share growth (YoY) | +4.2% | +0.7% | +3.6 pts |
| Loan growth (YoY) | +3.0% | -2.4% | +5.4 pts |
| ROA | 1.58% | 0.60% | +1.0 pts |
| ROE | 11.3% | 4.1% | +7.2 pts |
ROA ranks in the 87th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $42.0M | $35.8M | $30.0M | $5.9M | $166K | 1.58% | 4.04% | 0.64% | 2,905 |
| Q4 2025 | $41.3M | $35.3M | $29.8M | $5.7M | $295K | 0.72% | 3.88% | 0.87% | 2,958 |
| Q3 2025 | $40.9M | $35.0M | $29.3M | $5.7M | $217K | 0.71% | 3.87% | 0.61% | 2,977 |
| Q2 2025 | $40.8M | $35.2M | $28.6M | $5.5M | $99K | 0.49% | 3.78% | 0.67% | 3,049 |
| Q1 2025 | $40.1M | $34.4M | $29.1M | $5.5M | $79K | 0.79% | 3.77% | 0.52% | 3,263 |
| Q4 2024 | $39.1M | $33.5M | $29.7M | $5.4M | $353K | 0.90% | 3.72% | 0.60% | 3,262 |
| Q3 2024 | $37.2M | $31.8M | $29.3M | $5.4M | $290K | 1.04% | 3.84% | 0.49% | 3,209 |
| Q2 2024 | $36.5M | $31.1M | $29.4M | $5.3M | $165K | 0.90% | 3.81% | 0.40% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.58% | 0.60% | 87th | |
Return on equity Annualized net income ÷ equity or net worth | 11.3% | 4.1% | 89th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.04% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,242 |
Loan mix (Q1 2026): real estate $15.5M · commercial $0 · consumer $12.8M · securities $7.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.1% | 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% |
The full ratio pack is part of CharterBench Pro.