| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.1% | +1.3% | +2.8 pts |
| Share growth (YoY) | +3.1% | +0.7% | +2.4 pts |
| Loan growth (YoY) | +5.2% | -2.4% | +7.5 pts |
| ROA | 0.98% | 0.60% | +0.4 pts |
| ROE | 9.8% | 4.1% | +5.7 pts |
ROA ranks in the 68th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $20.2M | $18.0M | $8.6M | $2.0M | $50K | 0.98% | 4.39% | 1.07% | 1,947 |
| Q4 2025 | $19.7M | $17.6M | $8.7M | $2.0M | $222K | 1.12% | 4.49% | 0.93% | 1,947 |
| Q3 2025 | $19.6M | $17.5M | $8.7M | $1.9M | $164K | 1.11% | 4.47% | 0.78% | 1,944 |
| Q2 2025 | $19.4M | $17.3M | $8.1M | $1.9M | $126K | 1.30% | 4.46% | 1.07% | 1,945 |
| Q1 2025 | $19.4M | $17.5M | $8.2M | $1.8M | $60K | 1.23% | 4.35% | 0.10% | 1,939 |
| Q4 2024 | $18.7M | $16.8M | $8.0M | $1.8M | $160K | 0.85% | 4.15% | 1.30% | 1,945 |
| Q3 2024 | $18.6M | $16.8M | $7.8M | $1.7M | $112K | 0.80% | 4.08% | 0.57% | 1,960 |
| Q2 2024 | $18.8M | $16.7M | $7.7M | $1.7M | $75K | 0.80% | 3.96% | 1.27% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.98% | 0.60% | 68th | |
Return on equity Annualized net income ÷ equity or net worth | 9.8% | 4.1% | 84th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.39% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,956 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $7.5M · securities $8.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.5% | 81.5% | 38th |
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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