| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.4% | +1.3% | +1.1 pts |
| Share growth (YoY) | +0.9% | +0.7% | +0.2 pts |
| Loan growth (YoY) | +24.6% | -2.4% | +27.0 pts |
| ROA | 0.64% | 0.60% | +0.0 pts |
| ROE | 7.1% | 4.1% | +3.0 pts |
ROA ranks in the 51st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $50.7M | $45.5M | $31.9M | $4.6M | $81K | 0.64% | 3.86% | 0.32% | 4,560 |
| Q4 2025 | $49.5M | $44.7M | $30.7M | $4.5M | $322K | 0.65% | 3.75% | 0.21% | 4,572 |
| Q3 2025 | $49.3M | $44.2M | $30.1M | $4.4M | $229K | 0.62% | 3.77% | 0.47% | 4,641 |
| Q2 2025 | $49.9M | $44.8M | $28.3M | $4.3M | $125K | 0.50% | 3.61% | 0.46% | 4,595 |
| Q1 2025 | $49.5M | $45.1M | $25.6M | $4.3M | $109K | 0.88% | 3.57% | 0.90% | 4,599 |
| Q4 2024 | $49.0M | $44.8M | $26.0M | $4.2M | $237K | 0.48% | 3.45% | 0.88% | 4,623 |
| Q3 2024 | $49.3M | $45.1M | $26.5M | $4.1M | $130K | 0.35% | 3.36% | 0.73% | 4,646 |
| Q2 2024 | $50.7M | $46.6M | $26.5M | $4.0M | $89K | 0.35% | 3.22% | 0.34% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.64% | 0.60% | 51th | |
Return on equity Annualized net income ÷ equity or net worth | 7.1% | 4.1% | 71th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.86% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 4,670 |
Loan mix (Q1 2026): real estate $5.4M · commercial $0 · consumer $23.6M · securities $15.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.6% | 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% |
The full ratio pack is part of CharterBench Pro.