| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.7% | +1.3% | +5.4 pts |
| Share growth (YoY) | +9.0% | +0.7% | +8.3 pts |
| Loan growth (YoY) | +16.4% | -2.4% | +18.8 pts |
| ROA | 0.43% | 0.60% | -0.2 pts |
| ROE | 4.3% | 4.1% | +0.2 pts |
ROA ranks in the 41st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $46.0M | $41.3M | $20.6M | $4.6M | $49K | 0.43% | 3.32% | 0.12% | 2,787 |
| Q4 2025 | $44.6M | $39.9M | $19.7M | $4.5M | $397K | 0.89% | 3.05% | 0.13% | 3,759 |
| Q3 2025 | $44.0M | $39.5M | $19.0M | $4.4M | $328K | 1.00% | 3.09% | 0.02% | 3,738 |
| Q2 2025 | $44.9M | $39.7M | $18.6M | $4.3M | $227K | 1.01% | 2.93% | 0.03% | 2,726 |
| Q1 2025 | $43.1M | $37.9M | $17.7M | $4.2M | $99K | 0.92% | 2.89% | 0.00% | 2,696 |
| Q4 2024 | $42.1M | $37.0M | $16.8M | $4.1M | $277K | 0.66% | 2.87% | 0.03% | 2,671 |
| Q3 2024 | $41.5M | $36.5M | $16.6M | $4.0M | $154K | 0.50% | 2.80% | 0.00% | 2,667 |
| Q2 2024 | $43.1M | $38.0M | $15.7M | $3.9M | $99K | 0.46% | 2.68% | 0.05% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.43% | 0.60% | 41th | |
Return on equity Annualized net income ÷ equity or net worth | 4.3% | 4.1% | 52th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.32% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,666 |
Loan mix (Q1 2026): real estate $10.0M · commercial $0 · consumer $7.9M · securities $14.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 86.9% | 81.5% | 63th |
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.