| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.8% | +1.3% | +5.5 pts |
| Share growth (YoY) | +7.2% | +0.7% | +6.5 pts |
| Loan growth (YoY) | -4.1% | -2.4% | -1.7 pts |
| ROA | 0.56% | 0.60% | -0.0 pts |
| ROE | 4.6% | 4.1% | +0.5 pts |
ROA ranks in the 47th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $31.8M | $27.7M | $11.2M | $3.8M | $44K | 0.56% | 3.01% | 0.00% | 2,047 |
| Q4 2025 | $30.3M | $26.3M | $11.3M | $3.8M | $306K | 1.01% | 3.61% | 0.69% | 2,104 |
| Q3 2025 | $30.6M | $26.6M | $11.1M | $3.8M | $341K | 1.49% | 3.84% | 0.00% | 2,099 |
| Q2 2025 | $30.1M | $26.2M | $11.5M | $3.6M | $180K | 1.20% | 3.80% | 0.04% | 2,445 |
| Q1 2025 | $29.8M | $25.9M | $11.6M | $3.5M | $77K | 1.04% | 3.74% | 0.26% | 2,440 |
| Q4 2024 | $29.3M | $25.5M | $11.6M | $3.5M | $196K | 0.67% | 3.19% | 0.36% | 2,445 |
| Q3 2024 | $29.5M | $25.7M | $12.0M | $3.4M | $70K | 0.32% | 3.08% | 0.20% | 2,456 |
| Q2 2024 | $29.5M | $25.8M | $11.8M | $3.4M | $23K | 0.16% | 3.13% | 0.39% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.56% | 0.60% | 47th | |
Return on equity Annualized net income ÷ equity or net worth | 4.6% | 4.1% | 54th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.01% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,476 |
Loan mix (Q1 2026): real estate $1.1M · commercial $0 · consumer $7.9M · securities $15.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 85.9% | 81.5% | 60th |
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.