| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.2% | +1.3% | +0.9 pts |
| Share growth (YoY) | +1.7% | +0.7% | +1.1 pts |
| Loan growth (YoY) | -1.8% | -2.4% | +0.6 pts |
| ROA | 0.69% | 0.60% | +0.1 pts |
| ROE | 4.8% | 4.1% | +0.7 pts |
ROA ranks in the 54th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $16.4M | $14.1M | $10.3M | $2.3M | $28K | 0.69% | 3.77% | 0.08% | 2,546 |
| Q4 2025 | $16.0M | $13.7M | $10.3M | $2.3M | $123K | 0.77% | 4.04% | 0.05% | 2,561 |
| Q3 2025 | $16.9M | $14.6M | $10.7M | $2.3M | $97K | 0.77% | 3.81% | 0.02% | 2,561 |
| Q2 2025 | $16.9M | $14.6M | $10.5M | $2.3M | $76K | 0.91% | 3.76% | 0.05% | 2,550 |
| Q1 2025 | $16.1M | $13.8M | $10.5M | $2.2M | $27K | 0.67% | 3.95% | 0.09% | 2,518 |
| Q4 2024 | $15.7M | $13.4M | $9.8M | $2.2M | $132K | 0.84% | 4.59% | 0.08% | 2,527 |
| Q3 2024 | $16.1M | $13.9M | $9.6M | $2.1M | $94K | 0.78% | 4.55% | 0.12% | 2,563 |
| Q2 2024 | $17.1M | $15.0M | $9.4M | $2.1M | $37K | 0.43% | 4.25% | 0.18% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.69% | 0.60% | 54th | |
Return on equity Annualized net income ÷ equity or net worth | 4.8% | 4.1% | 56th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.77% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,567 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $9.9M · securities $3.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.7% | 81.5% | 53th |
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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