| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.7% | +1.3% | +8.4 pts |
| Share growth (YoY) | +9.4% | +0.7% | +8.8 pts |
| Loan growth (YoY) | +19.3% | -2.4% | +21.6 pts |
| ROA | 0.90% | 0.60% | +0.3 pts |
| ROE | 9.4% | 4.1% | +5.3 pts |
ROA ranks in the 65th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $82.4M | $74.4M | $39.5M | $7.9M | $185K | 0.90% | 3.48% | 1.19% | 6,169 |
| Q4 2025 | $80.9M | $73.2M | $39.2M | $7.7M | $845K | 1.04% | 3.45% | 1.37% | 6,146 |
| Q3 2025 | $81.1M | $73.6M | $37.7M | $7.4M | $607K | 1.00% | 3.39% | 0.52% | 6,289 |
| Q2 2025 | $78.9M | $71.6M | $34.1M | $7.2M | $387K | 0.98% | 3.41% | 1.11% | 6,278 |
| Q1 2025 | $75.1M | $68.0M | $33.1M | $7.0M | $163K | 0.87% | 3.53% | 0.62% | 6,211 |
| Q4 2024 | $71.1M | $64.1M | $33.3M | $6.8M | $992K | 1.40% | 3.79% | 0.67% | 6,188 |
| Q3 2024 | $72.6M | $65.9M | $33.1M | $6.6M | $750K | 1.38% | 3.64% | 0.57% | 6,280 |
| Q2 2024 | $73.4M | $66.9M | $33.2M | $6.4M | $500K | 1.36% | 3.51% | 0.43% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.90% | 0.60% | 65th | |
Return on equity Annualized net income ÷ equity or net worth | 9.4% | 4.1% | 82th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.48% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 6,286 |
Loan mix (Q1 2026): real estate $29.5M · commercial $368K · consumer $9.2M · securities $33.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.7% | 81.5% | 36th |
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.