| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.9% | +1.3% | +6.6 pts |
| Share growth (YoY) | +10.3% | +0.7% | +9.7 pts |
| Loan growth (YoY) | -2.2% | -2.4% | +0.2 pts |
| ROA | 0.79% | 0.60% | +0.2 pts |
| ROE | 4.5% | 4.1% | +0.4 pts |
ROA ranks in the 59th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $9.3M | $7.7M | $5.2M | $1.6M | $18K | 0.79% | 4.26% | 0.28% | 1,464 |
| Q4 2025 | $8.4M | $7.0M | $5.1M | $1.6M | $148K | 1.76% | 4.63% | 0.40% | 1,414 |
| Q3 2025 | $8.8M | $7.1M | $5.2M | $1.6M | $85K | 1.30% | 4.48% | 0.16% | 1,605 |
| Q2 2025 | $8.6M | $7.1M | $5.3M | $1.5M | $60K | 1.39% | 4.49% | 0.26% | 1,586 |
| Q1 2025 | $8.6M | $7.0M | $5.3M | $1.5M | $28K | 1.29% | 4.46% | 0.18% | 1,390 |
| Q4 2024 | $8.4M | $7.0M | $5.2M | $1.5M | $140K | 1.67% | 4.38% | 0.29% | 1,409 |
| Q3 2024 | $8.4M | $7.0M | $5.2M | $1.4M | $100K | 1.60% | 4.39% | 0.47% | 1,364 |
| Q2 2024 | $8.3M | $7.0M | $5.3M | $1.4M | $53K | 1.28% | 4.35% | 0.35% | 1,319 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.79% | 0.60% | 59th | |
Return on equity Annualized net income ÷ equity or net worth | 4.5% | 4.1% | 53th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.26% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $5.0M · securities $1.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 81.0% | 81.5% | 49th |
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.