| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.0% | +1.3% | +0.7 pts |
| Share growth (YoY) | +1.7% | +0.7% | +1.0 pts |
| Loan growth (YoY) | -5.0% | -2.4% | -2.7 pts |
| ROA | 0.78% | 0.60% | +0.2 pts |
| ROE | 5.9% | 4.1% | +1.8 pts |
ROA ranks in the 59th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $55.8M | $48.4M | $39.2M | $7.4M | $109K | 0.78% | 3.90% | 1.19% | 4,455 |
| Q4 2025 | $54.8M | $47.4M | $39.1M | $7.3M | $256K | 0.47% | 4.12% | 0.96% | 4,491 |
| Q3 2025 | $55.6M | $48.3M | $39.6M | $7.3M | $274K | 0.66% | 4.10% | 2.06% | 4,504 |
| Q2 2025 | $55.8M | $48.5M | $40.5M | $7.2M | $203K | 0.73% | 4.07% | 1.48% | 4,508 |
| Q1 2025 | $54.8M | $47.6M | $41.2M | $7.1M | $77K | 0.56% | 4.08% | 0.22% | 4,497 |
| Q4 2024 | $54.0M | $46.9M | $38.4M | $7.0M | $623K | 1.15% | 4.45% | 0.25% | 4,541 |
| Q3 2024 | $52.8M | $45.8M | $39.3M | $6.9M | $494K | 1.25% | 4.60% | 0.91% | 4,564 |
| Q2 2024 | $52.3M | $45.7M | $40.2M | $6.6M | $174K | 0.67% | 4.59% | 1.53% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.78% | 0.60% | 59th | |
Return on equity Annualized net income ÷ equity or net worth | 5.9% | 4.1% | 63th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.90% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 4,540 |
Loan mix (Q1 2026): real estate $24.6M · commercial $0 · consumer $13.5M · securities $3.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.9% | 81.5% | 35th |
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.