| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.9% | +1.3% | -0.4 pts |
| Share growth (YoY) | -0.6% | +0.7% | -1.2 pts |
| Loan growth (YoY) | -7.3% | -2.4% | -4.9 pts |
| ROA | 1.49% | 0.60% | +0.9 pts |
| ROE | 12.2% | 4.1% | +8.1 pts |
ROA ranks in the 85th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $23.0M | $20.1M | $6.8M | $2.8M | $86K | 1.49% | 4.01% | 1.04% | 1,802 |
| Q4 2025 | $22.8M | $19.9M | $6.9M | $2.7M | $332K | 1.46% | 3.57% | 1.66% | 1,817 |
| Q3 2025 | $22.7M | $19.9M | $7.0M | $2.6M | $229K | 1.34% | 3.64% | 0.93% | 1,829 |
| Q2 2025 | $23.0M | $20.3M | $7.2M | $2.6M | $152K | 1.32% | 3.59% | 0.78% | 1,836 |
| Q1 2025 | $22.8M | $20.2M | $7.4M | $2.5M | $73K | 1.27% | 3.58% | 1.30% | 1,848 |
| Q4 2024 | $22.0M | $19.4M | $7.6M | $2.4M | $316K | 1.44% | 3.59% | 0.80% | 1,849 |
| Q3 2024 | $22.2M | $19.7M | $7.6M | $2.3M | $240K | 1.44% | 3.54% | 0.82% | 1,861 |
| Q2 2024 | $22.6M | $20.1M | $7.5M | $2.2M | $164K | 1.45% | 3.43% | 0.85% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.49% | 0.60% | 85th | |
Return on equity Annualized net income ÷ equity or net worth | 12.2% | 4.1% | 92th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.01% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,881 |
Loan mix (Q1 2026): real estate $4.2M · commercial $0 · consumer $2.6M · securities $10.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.1% | 81.5% | 19th |
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.