| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +20.2% | +1.3% | +18.9 pts |
| Share growth (YoY) | +13.3% | +0.7% | +12.7 pts |
| Loan growth (YoY) | +1.5% | -2.4% | +3.8 pts |
| ROA | 0.27% | 0.60% | -0.3 pts |
| ROE | 1.2% | 4.1% | -2.9 pts |
ROA ranks in the 34th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $46.6M | $35.7M | $27.8M | $10.7M | $32K | 0.27% | 4.41% | 1.78% | 7,099 |
| Q4 2025 | $46.0M | $35.0M | $29.4M | $10.7M | $-158K | -0.34% | 4.10% | 2.52% | 7,139 |
| Q3 2025 | $45.8M | $35.2M | $30.8M | $10.7M | $-159K | -0.46% | 3.97% | 1.59% | 7,164 |
| Q2 2025 | $38.1M | $31.0M | $26.7M | $6.7M | $-212K | -1.11% | 4.58% | 1.87% | 6,744 |
| Q1 2025 | $38.7M | $31.5M | $27.3M | $6.8M | $-150K | -1.54% | 4.53% | 2.54% | 8,255 |
| Q4 2024 | $38.0M | $30.6M | $29.3M | $6.9M | $119K | 0.31% | 4.49% | 3.07% | 8,225 |
| Q3 2024 | $38.8M | $31.3M | $30.0M | $7.0M | $174K | 0.60% | 4.32% | 2.99% | 8,229 |
| Q2 2024 | $42.1M | $34.7M | $31.4M | $6.9M | $95K | 0.45% | 3.88% | 2.85% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.27% | 0.60% | 34th | |
Return on equity Annualized net income ÷ equity or net worth | 1.2% | 4.1% | 29th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.41% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 8,149 |
Loan mix (Q1 2026): real estate $3.2M · commercial $0 · consumer $19.1M · securities $8.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 91.1% | 81.5% | 71th |
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.