| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.5% | +1.3% | +6.2 pts |
| Share growth (YoY) | +7.5% | +0.7% | +6.8 pts |
| Loan growth (YoY) | +16.4% | -2.4% | +18.7 pts |
| ROA | 0.90% | 0.60% | +0.3 pts |
| ROE | 6.3% | 4.1% | +2.2 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 | $43.7M | $37.4M | $15.2M | $6.3M | $98K | 0.90% | 3.24% | 1.04% | 4,761 |
| Q4 2025 | $41.6M | $35.4M | $15.4M | $6.2M | $488K | 1.17% | 3.29% | 1.51% | 4,783 |
| Q3 2025 | $41.2M | $35.0M | $15.3M | $6.1M | $424K | 1.37% | 3.48% | 1.55% | 4,759 |
| Q2 2025 | $41.1M | $35.1M | $15.0M | $6.0M | $266K | 1.30% | 3.40% | 1.65% | 4,745 |
| Q1 2025 | $40.6M | $34.8M | $13.1M | $5.8M | $113K | 1.12% | 3.40% | 1.75% | 4,729 |
| Q4 2024 | $39.5M | $33.8M | $12.8M | $5.7M | $583K | 1.48% | 3.40% | 0.81% | 4,742 |
| Q3 2024 | $39.5M | $33.8M | $13.4M | $5.5M | $422K | 1.42% | 3.32% | 0.68% | 4,789 |
| Q2 2024 | $41.3M | $35.9M | $13.5M | $5.4M | $301K | 1.46% | 2.98% | 0.47% |
| 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 | 6.3% | 4.1% | 66th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.24% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 4,820 |
Loan mix (Q1 2026): real estate $1.5M · commercial $0 · consumer $12.3M · securities $22.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.2% | 81.5% | 33th |
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.