| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.1% | +1.3% | +3.8 pts |
| Share growth (YoY) | +4.9% | +0.7% | +4.3 pts |
| Loan growth (YoY) | +0.1% | -2.4% | +2.4 pts |
| ROA | 0.28% | 0.60% | -0.3 pts |
| ROE | 2.6% | 4.1% | -1.5 pts |
ROA ranks in the 34th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $39.7M | $35.5M | $15.0M | $4.1M | $27K | 0.28% | 2.30% | 1.95% | 2,307 |
| Q4 2025 | $39.6M | $35.4M | $15.2M | $4.1M | $143K | 0.36% | 2.28% | 1.84% | 2,309 |
| Q3 2025 | $38.8M | $34.8M | $15.2M | $4.0M | $79K | 0.27% | 2.29% | 2.26% | 2,290 |
| Q2 2025 | $38.3M | $34.3M | $15.1M | $4.0M | $56K | 0.29% | 2.28% | 2.73% | 2,269 |
| Q1 2025 | $37.8M | $33.8M | $15.0M | $4.0M | $11K | 0.11% | 2.26% | 2.36% | 2,421 |
| Q4 2024 | $37.5M | $33.5M | $15.1M | $4.0M | $181K | 0.48% | 2.17% | 2.67% | 2,455 |
| Q3 2024 | $37.2M | $33.2M | $14.8M | $3.9M | $134K | 0.48% | 2.14% | 2.85% | 2,454 |
| Q2 2024 | $36.2M | $32.3M | $14.7M | $3.9M | $94K | 0.52% | 2.15% | 2.59% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.28% | 0.60% | 34th | |
Return on equity Annualized net income ÷ equity or net worth | 2.6% | 4.1% | 39th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.30% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,462 |
Loan mix (Q1 2026): real estate $9.7M · commercial $0 · consumer $5.0M · securities $22.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 85.3% | 81.5% | 59th |
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.