| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.6% | +1.3% | -0.7 pts |
| Share growth (YoY) | -1.0% | +0.7% | -1.7 pts |
| Loan growth (YoY) | -11.8% | -2.4% | -9.5 pts |
| ROA | 1.30% | 0.60% | +0.7 pts |
| ROE | 7.9% | 4.1% | +3.8 pts |
ROA ranks in the 80th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $9.9M | $8.2M | $5.4M | $1.6M | $32K | 1.30% | 4.16% | 0.70% | 1,040 |
| Q4 2025 | $9.8M | $8.2M | $5.6M | $1.6M | $158K | 1.61% | 4.47% | 0.07% | 1,052 |
| Q3 2025 | $9.6M | $8.0M | $5.7M | $1.6M | $123K | 1.71% | 4.55% | 0.50% | 1,068 |
| Q2 2025 | $9.8M | $8.3M | $5.9M | $1.5M | $82K | 1.67% | 4.43% | 0.00% | 1,084 |
| Q1 2025 | $9.8M | $8.3M | $6.1M | $1.5M | $44K | 1.80% | 4.36% | 0.00% | 1,090 |
| Q4 2024 | $9.6M | $8.2M | $6.2M | $1.4M | $191K | 1.99% | 4.58% | 0.00% | 1,099 |
| Q3 2024 | $9.5M | $8.1M | $6.5M | $1.4M | $148K | 2.07% | 4.62% | 0.00% | 1,097 |
| Q2 2024 | $10.0M | $8.6M | $6.5M | $1.3M | $94K | 1.88% | 4.32% | 0.00% | 1,094 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.30% | 0.60% | 80th | |
Return on equity Annualized net income ÷ equity or net worth | 7.9% | 4.1% | 75th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.16% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $4.7M · securities $2.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.0% | 81.5% | 30th |
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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