| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.8% | +1.3% | +3.5 pts |
| Share growth (YoY) | +4.5% | +0.7% | +3.9 pts |
| Loan growth (YoY) | -1.3% | -2.4% | +1.1 pts |
| ROA | 0.39% | 0.60% | -0.2 pts |
| ROE | 3.1% | 4.1% | -1.0 pts |
ROA ranks in the 39th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $80.8M | $70.0M | $36.7M | $10.0M | $78K | 0.39% | 3.22% | 0.38% | 8,062 |
| Q4 2025 | $78.4M | $67.1M | $37.9M | $9.9M | $652K | 0.83% | 3.31% | 0.60% | 8,001 |
| Q3 2025 | $75.7M | $65.1M | $38.1M | $10.0M | $674K | 1.19% | 3.60% | 0.41% | 7,982 |
| Q2 2025 | $77.2M | $66.8M | $37.1M | $9.8M | $453K | 1.17% | 3.52% | 0.61% | 7,907 |
| Q1 2025 | $77.1M | $67.0M | $37.2M | $9.6M | $248K | 1.29% | 3.47% | 0.46% | 8,007 |
| Q4 2024 | $74.9M | $65.0M | $37.7M | $9.3M | $675K | 0.90% | 3.26% | 0.49% | 8,009 |
| Q3 2024 | $74.0M | $64.2M | $38.6M | $9.3M | $590K | 1.06% | 3.44% | 0.57% | 7,972 |
| Q2 2024 | $74.4M | $64.8M | $38.5M | $9.1M | $400K | 1.08% | 3.36% | 0.44% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.39% | 0.60% | 39th | |
Return on equity Annualized net income ÷ equity or net worth | 3.1% | 4.1% | 43th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.22% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 7,925 |
Loan mix (Q1 2026): real estate $12.5M · commercial $0 · consumer $23.1M · securities $28.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.0% | 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% |
The full ratio pack is part of CharterBench Pro.