| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.2% | +1.3% | +5.9 pts |
| Share growth (YoY) | +6.3% | +0.7% | +5.6 pts |
| Loan growth (YoY) | +47.7% | -2.4% | +50.1 pts |
| ROA | 1.15% | 0.60% | +0.5 pts |
| ROE | 8.9% | 4.1% | +4.8 pts |
ROA ranks in the 75th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $51.6M | $45.6M | $32.5M | $6.6M | $148K | 1.15% | 4.59% | 0.55% | 4,788 |
| Q4 2025 | $50.8M | $44.9M | $24.5M | $6.5M | $320K | 0.63% | 3.73% | 0.53% | 3,451 |
| Q3 2025 | $49.9M | $44.0M | $26.8M | $6.4M | $246K | 0.66% | 3.75% | 0.00% | 3,442 |
| Q2 2025 | $48.8M | $43.4M | $29.9M | $6.2M | $34K | 0.14% | 3.43% | 0.72% | 3,432 |
| Q1 2025 | $48.1M | $42.9M | $22.0M | $6.2M | $39K | 0.33% | 3.27% | 0.85% | 3,424 |
| Q4 2024 | $47.0M | $42.1M | $21.9M | $6.2M | $271K | 0.58% | 3.27% | 0.95% | 3,362 |
| Q3 2024 | $46.3M | $41.1M | $22.0M | $6.1M | $210K | 0.61% | 3.27% | 0.26% | 3,345 |
| Q2 2024 | $45.5M | $40.5M | $22.6M | $6.0M | $143K | 0.63% | 3.26% | 0.21% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.15% | 0.60% | 75th | |
Return on equity Annualized net income ÷ equity or net worth | 8.9% | 4.1% | 80th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.59% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,278 |
Loan mix (Q1 2026): real estate $5.1M · commercial $0 · consumer $21.6M · securities $12.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 68.0% | 81.5% | 22th |
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.