| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.4% | +1.3% | +10.1 pts |
| Share growth (YoY) | +10.7% | +0.7% | +10.1 pts |
| Loan growth (YoY) | +0.8% | -2.4% | +3.2 pts |
| ROA | 0.99% | 0.60% | +0.4 pts |
| ROE | 9.7% | 4.1% | +5.6 pts |
ROA ranks in the 69th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $30.3M | $26.9M | $13.5M | $3.1M | $75K | 0.99% | 3.83% | 0.43% | 2,516 |
| Q4 2025 | $28.6M | $25.4M | $13.6M | $3.0M | $451K | 1.57% | 4.00% | 0.96% | 2,522 |
| Q3 2025 | $28.2M | $25.0M | $13.4M | $2.9M | $356K | 1.68% | 4.03% | 1.33% | 2,537 |
| Q2 2025 | $28.3M | $25.2M | $13.7M | $2.8M | $251K | 1.77% | 3.93% | 0.73% | 2,551 |
| Q1 2025 | $27.2M | $24.3M | $13.4M | $2.7M | $80K | 1.17% | 3.99% | 0.67% | 2,556 |
| Q4 2024 | $26.4M | $23.6M | $14.0M | $2.6M | $386K | 1.46% | 3.97% | 0.24% | 2,579 |
| Q3 2024 | $25.7M | $23.0M | $14.6M | $2.4M | $246K | 1.28% | 4.03% | 2.15% | 2,611 |
| Q2 2024 | $26.4M | $23.7M | $14.8M | $2.3M | $130K | 0.99% | 3.86% | 1.59% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.99% | 0.60% | 69th | |
Return on equity Annualized net income ÷ equity or net worth | 9.7% | 4.1% | 83th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.83% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,647 |
Loan mix (Q1 2026): real estate $918K · commercial $0 · consumer $10.8M · securities $6.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.0% | 81.5% | 46th |
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.