| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.1% | +1.3% | +5.8 pts |
| Share growth (YoY) | +8.0% | +0.7% | +7.3 pts |
| Loan growth (YoY) | +9.0% | -2.4% | +11.4 pts |
| ROA | 0.52% | 0.60% | -0.1 pts |
| ROE | 7.8% | 4.1% | +3.7 pts |
ROA ranks in the 46th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $72.7M | $66.9M | $59.6M | $4.9M | $94K | 0.52% | 3.43% | 1.32% | 2,164 |
| Q4 2025 | $70.4M | $64.6M | $59.9M | $4.8M | $265K | 0.38% | 3.25% | 1.18% | 2,154 |
| Q3 2025 | $69.8M | $63.6M | $57.7M | $4.7M | $212K | 0.40% | 3.18% | 2.19% | 2,163 |
| Q2 2025 | $69.2M | $62.7M | $56.8M | $4.6M | $139K | 0.40% | 3.12% | 0.83% | 2,138 |
| Q1 2025 | $67.9M | $62.0M | $54.7M | $4.6M | $108K | 0.64% | 3.12% | 0.50% | 2,105 |
| Q4 2024 | $65.7M | $60.5M | $52.4M | $4.5M | $-290K | -0.44% | 2.67% | 0.54% | 2,073 |
| Q3 2024 | $64.9M | $59.4M | $50.4M | $4.5M | $-247K | -0.51% | 2.60% | 0.60% | 2,064 |
| Q2 2024 | $61.9M | $56.5M | $47.5M | $4.6M | $-184K | -0.60% | 2.65% | 0.50% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.52% | 0.60% | 46th | |
Return on equity Annualized net income ÷ equity or net worth | 7.8% | 4.1% | 74th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.43% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,045 |
Loan mix (Q1 2026): real estate $42.7M · commercial $930K · consumer $13.8M · securities $8.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.6% | 81.5% | 53th |
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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