| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.9% | +1.3% | +5.6 pts |
| Share growth (YoY) | +7.5% | +0.7% | +6.9 pts |
| Loan growth (YoY) | -13.2% | -2.4% | -10.8 pts |
| ROA | 1.17% | 0.60% | +0.6 pts |
| ROE | 4.7% | 4.1% | +0.6 pts |
ROA ranks in the 75th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $13.6M | $10.2M | $8.7M | $3.4M | $40K | 1.17% | 3.75% | 1.17% | 1,199 |
| Q4 2025 | $13.0M | $9.6M | $8.8M | $3.4M | $69K | 0.53% | 3.86% | 1.29% | 1,202 |
| Q3 2025 | $12.4M | $9.1M | $9.1M | $3.3M | $136K | 1.46% | 4.17% | 1.73% | 1,203 |
| Q2 2025 | $12.7M | $9.4M | $9.6M | $3.3M | $102K | 1.60% | 4.23% | 1.95% | 1,212 |
| Q1 2025 | $12.7M | $9.5M | $10.0M | $3.3M | $48K | 1.50% | 4.30% | 1.59% | 1,221 |
| Q4 2024 | $12.6M | $9.4M | $10.4M | $3.2M | $85K | 0.68% | 4.18% | 0.47% | 1,229 |
| Q3 2024 | $12.3M | $9.1M | $10.9M | $3.2M | $77K | 0.84% | 4.37% | 1.53% | 1,236 |
| Q2 2024 | $12.2M | $9.0M | $11.2M | $3.2M | $77K | 1.27% | 4.35% | 0.64% | 1,234 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.17% | 0.60% | 75th | |
Return on equity Annualized net income ÷ equity or net worth | 4.7% | 4.1% | 55th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.75% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $3.3M · commercial $0 · consumer $4.6M · securities $504K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.6% | 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% |
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