| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.9% | +1.3% | +0.6 pts |
| Share growth (YoY) | +0.5% | +0.7% | -0.1 pts |
| Loan growth (YoY) | +0.0% | -2.4% | +2.4 pts |
| ROA | 1.19% | 0.60% | +0.6 pts |
| ROE | 5.9% | 4.1% | +1.8 pts |
ROA ranks in the 76th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $44.5M | $35.6M | $24.8M | $9.0M | $132K | 1.19% | 4.11% | 1.47% | 7,879 |
| Q4 2025 | $42.1M | $33.3M | $24.9M | $8.8M | $935K | 2.22% | 4.54% | 1.92% | 7,834 |
| Q3 2025 | $40.3M | $31.6M | $24.8M | $8.7M | $804K | 2.66% | 4.76% | 1.59% | 7,805 |
| Q2 2025 | $40.2M | $31.8M | $24.8M | $8.5M | $548K | 2.73% | 4.74% | 2.18% | 7,778 |
| Q1 2025 | $43.7M | $35.5M | $24.8M | $8.3M | $331K | 3.03% | 4.36% | 2.09% | 7,716 |
| Q4 2024 | $39.1M | $31.2M | $24.7M | $7.9M | $972K | 2.49% | 4.53% | 3.35% | 7,649 |
| Q3 2024 | $38.5M | $30.7M | $25.1M | $7.7M | $775K | 2.69% | 4.56% | 2.61% | 7,575 |
| Q2 2024 | $38.6M | $31.2M | $25.3M | $7.5M | $518K | 2.68% | 4.48% | 1.75% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.19% | 0.60% | 76th | |
Return on equity Annualized net income ÷ equity or net worth | 5.9% | 4.1% | 63th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.11% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 7,513 |
Loan mix (Q1 2026): real estate $3.3M · commercial $0 · consumer $19.6M · securities $13.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 60.6% | 81.5% | 13th |
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.