| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.1% | +3.9% | +5.2 pts |
| Share growth (YoY) | +9.3% | +3.3% | +6.0 pts |
| Loan growth (YoY) | +3.8% | +2.9% | +0.9 pts |
| ROA | 1.00% | 0.69% | +0.3 pts |
| ROE | 8.2% | 5.9% | +2.2 pts |
ROA ranks in the 70th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $100.1M | $87.7M | $65.4M | $12.3M | $251K | 1.00% | 2.89% | 0.13% | 3,058 |
| Q4 2025 | $97.2M | $85.1M | $65.3M | $12.1M | $881K | 0.91% | 2.55% | 0.55% | 3,520 |
| Q3 2025 | $96.8M | $84.5M | $64.6M | $11.9M | $761K | 1.05% | 2.69% | 0.60% | 3,502 |
| Q2 2025 | $96.8M | $84.8M | $63.9M | $11.7M | $514K | 1.06% | 2.60% | 0.20% | 3,480 |
| Q1 2025 | $91.8M | $80.2M | $63.0M | $11.4M | $222K | 0.97% | 2.61% | 0.23% | 3,460 |
| Q4 2024 | $90.5M | $79.1M | $63.0M | $11.2M | $630K | 0.70% | 2.24% | 0.30% | 3,445 |
| Q3 2024 | $89.6M | $78.4M | $64.3M | $11.1M | $587K | 0.87% | 2.44% | 0.61% | 3,435 |
| Q2 2024 | $87.0M | $75.8M | $65.1M | $10.9M | $342K | 0.79% | 2.42% | 0.82% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.00% | 0.69% | 70th | |
Return on equity Annualized net income ÷ equity or net worth | 8.2% | 5.9% | 70th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.89% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 3,410 |
Loan mix (Q1 2026): real estate $32.7M · commercial $10.5M · consumer $13.7M · securities $31.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.5% | 78.7% | 12th |
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.