| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.9% | +1.3% | +2.6 pts |
| Share growth (YoY) | +3.5% | +0.7% | +2.8 pts |
| Loan growth (YoY) | -18.8% | -2.4% | -16.5 pts |
| ROA | 0.62% | 0.60% | +0.0 pts |
| ROE | 7.0% | 4.1% | +2.9 pts |
ROA ranks in the 51st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $39.3M | $35.5M | $17.5M | $3.5M | $61K | 0.62% | 3.87% | 0.69% | 2,498 |
| Q4 2025 | $39.1M | $35.4M | $17.9M | $3.4M | $148K | 0.38% | 4.00% | 0.69% | 2,518 |
| Q3 2025 | $38.3M | $34.6M | $19.1M | $3.4M | $105K | 0.37% | 4.11% | 0.96% | 2,561 |
| Q2 2025 | $37.5M | $33.9M | $20.3M | $3.4M | $66K | 0.35% | 4.19% | 0.81% | 2,612 |
| Q1 2025 | $37.8M | $34.3M | $21.5M | $3.3M | $35K | 0.37% | 4.22% | 0.64% | 2,673 |
| Q4 2024 | $36.9M | $33.4M | $23.1M | $3.3M | $365K | 0.99% | 4.42% | 1.00% | 2,662 |
| Q3 2024 | $36.4M | $32.5M | $24.0M | $3.2M | $283K | 1.04% | 4.43% | 1.57% | 2,655 |
| Q2 2024 | $37.0M | $33.6M | $24.6M | $3.1M | $196K | 1.06% | 4.29% | 1.97% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.62% | 0.60% | 51th | |
Return on equity Annualized net income ÷ equity or net worth | 7.0% | 4.1% | 70th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.87% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,665 |
Loan mix (Q1 2026): real estate $2.5M · commercial $0 · consumer $14.3M · securities $15.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.3% | 81.5% | 52th |
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.