| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.5% | +1.3% | +9.2 pts |
| Share growth (YoY) | +11.8% | +0.7% | +11.2 pts |
| Loan growth (YoY) | +21.5% | -2.4% | +23.9 pts |
| ROA | 1.23% | 0.60% | +0.6 pts |
| ROE | 6.2% | 4.1% | +2.1 pts |
ROA ranks in the 78th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $28.1M | $22.3M | $17.4M | $5.6M | $87K | 1.23% | 5.58% | 1.27% | 5,943 |
| Q4 2025 | $27.4M | $21.6M | $16.9M | $5.5M | $295K | 1.08% | 5.43% | 1.66% | 5,789 |
| Q3 2025 | $26.8M | $21.1M | $16.1M | $5.4M | $246K | 1.23% | 5.45% | 1.82% | 5,411 |
| Q2 2025 | $26.6M | $21.1M | $15.2M | $5.4M | $184K | 1.38% | 5.33% | 1.86% | 5,317 |
| Q1 2025 | $25.4M | $19.9M | $14.3M | $5.3M | $96K | 1.51% | 5.42% | 0.90% | 5,206 |
| Q4 2024 | $24.8M | $19.3M | $14.0M | $5.2M | $391K | 1.58% | 5.16% | 0.83% | 5,195 |
| Q3 2024 | $24.7M | $19.3M | $13.1M | $5.1M | $282K | 1.52% | 5.07% | 0.59% | 5,144 |
| Q2 2024 | $24.4M | $19.0M | $12.7M | $5.0M | $213K | 1.75% | 5.04% | 0.60% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.23% | 0.60% | 78th | |
Return on equity Annualized net income ÷ equity or net worth | 6.2% | 4.1% | 65th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.58% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 4,560 |
Loan mix (Q1 2026): real estate $1.9M · commercial $0 · consumer $14.5M · securities $7.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.5% | 81.5% | 42th |
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.