| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.5% | +1.3% | +3.2 pts |
| Share growth (YoY) | +2.1% | +0.7% | +1.4 pts |
| Loan growth (YoY) | +13.8% | -2.4% | +16.2 pts |
| ROA | 1.50% | 0.60% | +0.9 pts |
| ROE | 15.0% | 4.1% | +10.9 pts |
ROA ranks in the 85th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $92.6M | $83.1M | $52.9M | $9.2M | $347K | 1.50% | 3.83% | 0.12% | 6,697 |
| Q4 2025 | $91.0M | $82.2M | $52.1M | $8.9M | $1.0M | 1.12% | 3.56% | 0.24% | 6,714 |
| Q3 2025 | $88.9M | $80.7M | $49.7M | $8.7M | $717K | 1.08% | 3.47% | 0.42% | 6,763 |
| Q2 2025 | $88.6M | $80.8M | $48.4M | $8.4M | $416K | 0.94% | 3.34% | 0.55% | 6,811 |
| Q1 2025 | $88.6M | $81.4M | $46.4M | $8.2M | $175K | 0.79% | 3.26% | 0.54% | 6,864 |
| Q4 2024 | $86.5M | $79.9M | $46.9M | $7.9M | $507K | 0.59% | 2.92% | 0.67% | 6,916 |
| Q3 2024 | $87.4M | $80.5M | $47.0M | $7.8M | $406K | 0.62% | 2.77% | 0.98% | 7,014 |
| Q2 2024 | $87.8M | $82.0M | $47.5M | $7.6M | $249K | 0.57% | 2.68% | 0.30% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.50% | 0.60% | 85th | |
Return on equity Annualized net income ÷ equity or net worth | 15.0% | 4.1% | 96th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.83% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 7,084 |
Loan mix (Q1 2026): real estate $20.6M · commercial $3.9M · consumer $23.4M · securities $26.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.3% | 81.5% | 20th |
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.