| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.9% | +1.3% | +3.6 pts |
| Share growth (YoY) | +3.0% | +0.7% | +2.3 pts |
| Loan growth (YoY) | -9.7% | -2.4% | -7.3 pts |
| ROA | 2.09% | 0.60% | +1.5 pts |
| ROE | 9.4% | 4.1% | +5.3 pts |
ROA ranks in the 95th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $77.2M | $59.8M | $11.4M | $17.2M | $403K | 2.09% | 3.54% | 0.28% | 4,461 |
| Q4 2025 | $74.9M | $57.9M | $12.0M | $16.8M | $1.8M | 2.45% | 3.85% | 0.29% | 4,494 |
| Q3 2025 | $74.1M | $57.6M | $12.4M | $16.4M | $1.4M | 2.46% | 3.87% | 0.30% | 4,519 |
| Q2 2025 | $72.8M | $56.8M | $12.6M | $15.9M | $909K | 2.50% | 3.92% | 0.31% | 4,545 |
| Q1 2025 | $73.6M | $58.1M | $12.6M | $15.4M | $426K | 2.31% | 3.70% | 0.19% | 4,595 |
| Q4 2024 | $70.9M | $55.8M | $13.1M | $15.0M | $1.8M | 2.50% | 3.90% | 0.59% | 4,641 |
| Q3 2024 | $70.1M | $55.5M | $13.5M | $14.6M | $1.4M | 2.57% | 3.98% | 0.28% | 4,669 |
| Q2 2024 | $70.4M | $56.2M | $13.9M | $14.1M | $881K | 2.50% | 3.92% | 0.11% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.09% | 0.60% | 95th | |
Return on equity Annualized net income ÷ equity or net worth | 9.4% | 4.1% | 82th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.54% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 4,688 |
Loan mix (Q1 2026): real estate $4.8M · commercial $0 · consumer $6.4M · securities $53.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 47.0% | 81.5% | 4th |
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.