| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.2% | +1.3% | +0.9 pts |
| Share growth (YoY) | +1.5% | +0.7% | +0.8 pts |
| Loan growth (YoY) | +15.4% | -2.4% | +17.7 pts |
| ROA | 0.69% | 0.60% | +0.1 pts |
| ROE | 6.3% | 4.1% | +2.2 pts |
ROA ranks in the 54th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $54.1M | $48.0M | $19.3M | $5.9M | $93K | 0.69% | 3.79% | 1.13% | 4,358 |
| Q4 2025 | $53.1M | $47.1M | $19.3M | $5.8M | $516K | 0.97% | 3.60% | 2.55% | 4,373 |
| Q3 2025 | $52.4M | $46.6M | $18.8M | $5.7M | $374K | 0.95% | 3.54% | 2.11% | 4,430 |
| Q2 2025 | $53.4M | $47.2M | $17.6M | $5.5M | $191K | 0.71% | 3.33% | 1.76% | 4,648 |
| Q1 2025 | $52.9M | $47.3M | $16.7M | $5.4M | $113K | 0.85% | 3.25% | 1.78% | 4,641 |
| Q4 2024 | $51.2M | $45.6M | $16.1M | $5.3M | $190K | 0.37% | 2.77% | 1.33% | 4,668 |
| Q3 2024 | $48.5M | $43.0M | $15.6M | $5.3M | $151K | 0.41% | 2.86% | 1.32% | 4,683 |
| Q2 2024 | $49.0M | $43.4M | $14.6M | $5.2M | $113K | 0.46% | 2.74% | 0.49% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.69% | 0.60% | 54th | |
Return on equity Annualized net income ÷ equity or net worth | 6.3% | 4.1% | 66th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.79% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 4,675 |
Loan mix (Q1 2026): real estate $8.7M · commercial $0 · consumer $9.5M · securities $27.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.2% | 81.5% | 31th |
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.