| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.4% | +1.3% | +1.1 pts |
| Share growth (YoY) | +1.7% | +0.7% | +1.0 pts |
| Loan growth (YoY) | -0.3% | -2.4% | +2.1 pts |
| ROA | 1.58% | 0.60% | +1.0 pts |
| ROE | 8.5% | 4.1% | +4.4 pts |
ROA ranks in the 87th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $19.6M | $15.9M | $8.0M | $3.7M | $78K | 1.58% | 4.79% | 2.09% | 2,450 |
| Q4 2025 | $19.2M | $15.6M | $8.3M | $3.6M | $179K | 0.93% | 4.55% | 2.52% | 2,470 |
| Q3 2025 | $19.1M | $15.5M | $8.8M | $3.5M | $133K | 0.93% | 4.61% | 2.35% | 2,497 |
| Q2 2025 | $19.1M | $15.6M | $8.6M | $3.5M | $117K | 1.23% | 4.60% | 1.78% | 2,508 |
| Q1 2025 | $19.2M | $15.7M | $8.0M | $3.5M | $49K | 1.02% | 4.86% | 3.09% | 2,559 |
| Q4 2024 | $18.7M | $15.3M | $8.2M | $3.1M | $246K | 1.31% | 5.09% | 3.52% | 2,614 |
| Q3 2024 | $19.5M | $16.2M | $8.5M | $3.3M | $164K | 1.12% | 4.87% | 2.91% | 2,668 |
| Q2 2024 | $19.6M | $16.3M | $8.5M | $3.3M | $87K | 0.89% | 4.88% | 2.53% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.58% | 0.60% | 87th | |
Return on equity Annualized net income ÷ equity or net worth | 8.5% | 4.1% | 78th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.79% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,709 |
Loan mix (Q1 2026): real estate $445K · commercial $0 · consumer $7.3M · securities $7.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 68.3% | 81.5% | 23th |
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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