| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.8% | +1.3% | +0.5 pts |
| Share growth (YoY) | +1.0% | +0.7% | +0.3 pts |
| Loan growth (YoY) | +2.6% | -2.4% | +4.9 pts |
| ROA | 0.58% | 0.60% | -0.0 pts |
| ROE | 3.8% | 4.1% | -0.3 pts |
ROA ranks in the 49th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $17.7M | $15.0M | $3.4M | $2.7M | $26K | 0.58% | 2.80% | 0.22% | 2,083 |
| Q4 2025 | $17.3M | $14.6M | $3.6M | $2.7M | $192K | 1.11% | 3.02% | 0.88% | 2,094 |
| Q3 2025 | $17.4M | $14.8M | $3.6M | $2.6M | $135K | 1.04% | 3.03% | 0.68% | 2,111 |
| Q2 2025 | $17.7M | $15.2M | $3.4M | $2.6M | $108K | 1.21% | 2.91% | 0.70% | 2,119 |
| Q1 2025 | $17.4M | $14.8M | $3.3M | $2.5M | $63K | 1.46% | 3.10% | 0.80% | 2,145 |
| Q4 2024 | $17.3M | $14.8M | $3.0M | $2.5M | $170K | 0.99% | 3.03% | 0.33% | 2,166 |
| Q3 2024 | $17.2M | $14.8M | $2.8M | $2.4M | $118K | 0.92% | 3.03% | 0.78% | 2,172 |
| Q2 2024 | $17.7M | $15.3M | $2.8M | $2.2M | $97K | 1.10% | 2.94% | 0.00% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.58% | 0.60% | 49th | |
Return on equity Annualized net income ÷ equity or net worth | 3.8% | 4.1% | 48th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.80% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,185 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $3.3M · securities $8.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.3% | 81.5% | 47th |
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.