| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.8% | +1.3% | +1.5 pts |
| Share growth (YoY) | +1.5% | +0.7% | +0.9 pts |
| Loan growth (YoY) | +2.2% | -2.4% | +4.6 pts |
| ROA | 0.70% | 0.60% | +0.1 pts |
| ROE | 5.0% | 4.1% | +0.9 pts |
ROA ranks in the 55th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $64.7M | $57.9M | $21.6M | $9.0M | $113K | 0.70% | 3.47% | 2.67% | 3,894 |
| Q4 2025 | $60.7M | $54.0M | $22.5M | $8.9M | $480K | 0.79% | 3.51% | 2.68% | 3,867 |
| Q3 2025 | $61.6M | $55.1M | $22.1M | $8.9M | $443K | 0.96% | 3.64% | 2.31% | 3,901 |
| Q2 2025 | $61.7M | $55.6M | $21.6M | $8.8M | $292K | 0.95% | 3.59% | 1.72% | 3,971 |
| Q1 2025 | $62.9M | $57.0M | $21.1M | $8.7M | $217K | 1.38% | 3.48% | 2.05% | 3,881 |
| Q4 2024 | $59.2M | $53.9M | $20.9M | $8.5M | $263K | 0.44% | 3.25% | 2.05% | 3,852 |
| Q3 2024 | $60.1M | $54.3M | $20.4M | $8.5M | $258K | 0.57% | 3.33% | 2.00% | 3,867 |
| Q2 2024 | $60.3M | $55.5M | $19.7M | $8.4M | $156K | 0.52% | 3.24% | 1.68% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.70% | 0.60% | 55th | |
Return on equity Annualized net income ÷ equity or net worth | 5.0% | 4.1% | 57th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.47% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,875 |
Loan mix (Q1 2026): real estate $3.1M · commercial $0 · consumer $17.3M · securities $30.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.0% | 81.5% | 39th |
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.