| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.4% | +1.3% | +2.1 pts |
| Share growth (YoY) | +2.8% | +0.7% | +2.1 pts |
| Loan growth (YoY) | -14.3% | -2.4% | -12.0 pts |
| ROA | 1.39% | 0.60% | +0.8 pts |
| ROE | 13.3% | 4.1% | +9.2 pts |
ROA ranks in the 82nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $72.2M | $64.5M | $10.3M | $7.5M | $250K | 1.39% | 3.50% | 0.05% | 7,815 |
| Q4 2025 | $70.1M | $62.5M | $10.7M | $7.3M | $932K | 1.33% | 3.52% | 0.33% | 7,859 |
| Q3 2025 | $68.8M | $61.5M | $11.2M | $7.1M | $675K | 1.31% | 3.56% | 0.51% | 7,944 |
| Q2 2025 | $69.3M | $61.6M | $11.8M | $6.8M | $430K | 1.24% | 3.49% | 0.74% | 8,099 |
| Q1 2025 | $69.8M | $62.8M | $12.0M | $6.6M | $194K | 1.11% | 3.33% | 0.41% | 8,291 |
| Q4 2024 | $67.3M | $60.4M | $11.9M | $6.4M | $804K | 1.20% | 3.18% | 1.05% | 8,247 |
| Q3 2024 | $66.9M | $60.3M | $12.1M | $6.2M | $620K | 1.24% | 3.13% | 1.17% | 8,430 |
| Q2 2024 | $68.5M | $61.8M | $12.1M | $6.0M | $372K | 1.09% | 3.00% | 1.34% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.39% | 0.60% | 82th | |
Return on equity Annualized net income ÷ equity or net worth | 13.3% | 4.1% | 94th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.50% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 8,477 |
Loan mix (Q1 2026): real estate $4.9M · commercial $0 · consumer $5.2M · securities $51.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.7% | 81.5% | 25th |
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.