| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.4% | +1.3% | +0.1 pts |
| Share growth (YoY) | +0.4% | +0.7% | -0.3 pts |
| Loan growth (YoY) | -6.7% | -2.4% | -4.3 pts |
| ROA | 1.74% | 0.60% | +1.1 pts |
| ROE | 8.0% | 4.1% | +3.9 pts |
ROA ranks in the 90th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $57.2M | $44.5M | $19.4M | $12.5M | $250K | 1.74% | 3.95% | 0.32% | 5,769 |
| Q4 2025 | $56.5M | $43.7M | $20.4M | $12.3M | $646K | 1.14% | 3.72% | 0.23% | 5,791 |
| Q3 2025 | $56.8M | $44.1M | $20.8M | $12.5M | $863K | 2.03% | 4.24% | 0.27% | 5,847 |
| Q2 2025 | $56.8M | $44.4M | $21.2M | $12.2M | $541K | 1.91% | 4.26% | 0.27% | 5,891 |
| Q1 2025 | $56.5M | $44.3M | $20.8M | $11.9M | $271K | 1.92% | 4.32% | 0.19% | 5,987 |
| Q4 2024 | $53.7M | $41.5M | $21.0M | $11.6M | $1.1M | 2.00% | 4.19% | 0.14% | 5,995 |
| Q3 2024 | $55.1M | $42.7M | $20.4M | $11.6M | $1.1M | 2.57% | 4.65% | 0.48% | 5,981 |
| Q2 2024 | $54.6M | $43.1M | $20.5M | $11.2M | $706K | 2.59% | 4.68% | 0.48% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.74% | 0.60% | 90th | |
Return on equity Annualized net income ÷ equity or net worth | 8.0% | 4.1% | 76th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.95% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 5,614 |
Loan mix (Q1 2026): real estate $801K · commercial $0 · consumer $16.9M · securities $24.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 68.2% | 81.5% | 23th |
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% |
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