| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.8% | +1.3% | +1.5 pts |
| Share growth (YoY) | +2.5% | +0.7% | +1.8 pts |
| Loan growth (YoY) | -11.0% | -2.4% | -8.6 pts |
| ROA | 0.82% | 0.60% | +0.2 pts |
| ROE | 4.7% | 4.1% | +0.6 pts |
ROA ranks in the 61st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $23.8M | $19.7M | $6.4M | $4.1M | $49K | 0.82% | 2.20% | 0.07% | 1,258 |
| Q4 2025 | $24.1M | $20.0M | $6.7M | $4.1M | $153K | 0.63% | 2.00% | 0.05% | 1,260 |
| Q3 2025 | $24.0M | $19.9M | $7.0M | $4.0M | $104K | 0.58% | 1.99% | 0.18% | 1,255 |
| Q2 2025 | $24.6M | $20.5M | $7.1M | $4.0M | $73K | 0.59% | 1.84% | 0.08% | 1,256 |
| Q1 2025 | $23.2M | $19.2M | $7.2M | $4.0M | $32K | 0.55% | 1.90% | 0.01% | 1,250 |
| Q4 2024 | $22.1M | $18.1M | $7.0M | $3.9M | $161K | 0.73% | 2.16% | 0.00% | 1,243 |
| Q3 2024 | $20.0M | $16.1M | $7.2M | $3.9M | $131K | 0.87% | 2.47% | 0.01% | 1,239 |
| Q2 2024 | $20.1M | $16.2M | $6.8M | $3.9M | $105K | 1.04% | 2.50% | 0.00% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.82% | 0.60% | 61th | |
Return on equity Annualized net income ÷ equity or net worth | 4.7% | 4.1% | 55th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.20% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,250 |
Loan mix (Q1 2026): real estate $2.3M · commercial $0 · consumer $3.8M · securities $10.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.9% | 81.5% | 16th |
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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