| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +12.0% | +1.3% | +10.7 pts |
| Share growth (YoY) | +12.5% | +0.7% | +11.8 pts |
| Loan growth (YoY) | +6.9% | -2.4% | +9.2 pts |
| ROA | 0.52% | 0.60% | -0.1 pts |
| ROE | 4.4% | 4.1% | +0.3 pts |
ROA ranks in the 46th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $34.9M | $30.5M | $21.0M | $4.2M | $45K | 0.52% | 4.90% | 0.00% | 2,766 |
| Q4 2025 | $33.1M | $28.8M | $20.6M | $4.1M | $334K | 1.01% | 4.96% | 0.35% | 2,757 |
| Q3 2025 | $34.1M | $29.8M | $20.4M | $4.0M | $201K | 0.79% | 4.72% | 0.12% | 2,730 |
| Q2 2025 | $32.1M | $28.0M | $20.3M | $3.8M | $14K | 0.09% | 4.89% | 0.18% | 2,693 |
| Q1 2025 | $31.2M | $27.1M | $19.7M | $3.8M | $-14K | -0.18% | 4.85% | 0.34% | 2,666 |
| Q4 2024 | $29.6M | $25.6M | $18.5M | $3.8M | $-299K | -1.01% | 4.97% | 0.12% | 2,644 |
| Q3 2024 | $29.7M | $25.5M | $17.6M | $3.9M | $-216K | -0.97% | 4.94% | 0.50% | 2,628 |
| Q2 2024 | $30.2M | $25.9M | $17.0M | $3.9M | $-177K | -1.17% | 4.87% | 0.42% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.52% | 0.60% | 46th | |
Return on equity Annualized net income ÷ equity or net worth | 4.4% | 4.1% | 52th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.90% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,605 |
Loan mix (Q1 2026): real estate $575K · commercial $0 · consumer $18.3M · securities $7.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.1% | 81.5% | 54th |
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.