| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.9% | +1.3% | -0.4 pts |
| Share growth (YoY) | -0.4% | +0.7% | -1.1 pts |
| Loan growth (YoY) | -0.3% | -2.4% | +2.0 pts |
| ROA | 1.15% | 0.60% | +0.5 pts |
| ROE | 9.3% | 4.1% | +5.2 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 | $91.2M | $79.5M | $29.4M | $11.3M | $262K | 1.15% | 3.52% | 1.68% | 7,375 |
| Q4 2025 | $88.3M | $76.8M | $29.4M | $11.0M | $978K | 1.11% | 3.35% | 0.84% | 7,392 |
| Q3 2025 | $88.1M | $77.0M | $29.6M | $10.8M | $710K | 1.07% | 3.28% | 0.62% | 7,421 |
| Q2 2025 | $89.8M | $79.0M | $29.5M | $10.5M | $429K | 0.95% | 3.10% | 0.69% | 7,429 |
| Q1 2025 | $90.3M | $79.8M | $29.5M | $10.3M | $194K | 0.86% | 2.95% | 0.60% | 7,538 |
| Q4 2024 | $90.1M | $79.6M | $30.3M | $10.1M | $452K | 0.50% | 2.67% | 0.72% | 7,562 |
| Q3 2024 | $88.0M | $77.8M | $31.2M | $10.0M | $312K | 0.47% | 2.65% | 0.86% | 7,654 |
| Q2 2024 | $89.8M | $79.5M | $31.0M | $9.9M | $203K | 0.45% | 2.51% | 0.79% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.15% | 0.60% | 75th | |
Return on equity Annualized net income ÷ equity or net worth | 9.3% | 4.1% | 82th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.52% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 7,706 |
Loan mix (Q1 2026): real estate $6.5M · commercial $0 · consumer $22.2M · securities $51.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.4% | 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% |
The full ratio pack is part of CharterBench Pro.