| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.3% | +1.3% | +0.0 pts |
| Share growth (YoY) | -2.1% | +0.7% | -2.8 pts |
| Loan growth (YoY) | -19.8% | -2.4% | -17.5 pts |
| ROA | 2.16% | 0.60% | +1.6 pts |
| ROE | 16.3% | 4.1% | +12.2 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 | $28.7M | $24.6M | $7.8M | $3.8M | $155K | 2.16% | 3.17% | 2.43% | 1,781 |
| Q4 2025 | $28.3M | $24.5M | $8.2M | $3.6M | $630K | 2.23% | 3.41% | 2.17% | 1,795 |
| Q3 2025 | $28.3M | $24.7M | $8.9M | $3.5M | $469K | 2.21% | 3.43% | 1.01% | 1,805 |
| Q2 2025 | $28.5M | $25.1M | $9.3M | $3.3M | $302K | 2.12% | 3.38% | 0.71% | 1,825 |
| Q1 2025 | $28.4M | $25.1M | $9.7M | $3.2M | $137K | 1.94% | 3.28% | 0.71% | 1,847 |
| Q4 2024 | $28.4M | $25.1M | $10.3M | $3.0M | $515K | 1.82% | 3.06% | 1.18% | 1,842 |
| Q3 2024 | $28.8M | $25.6M | $10.7M | $2.9M | $371K | 1.72% | 2.95% | 1.27% | 1,867 |
| Q2 2024 | $28.7M | $26.0M | $10.7M | $2.7M | $225K | 1.57% | 2.85% | 1.23% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.16% | 0.60% | 95th | |
Return on equity Annualized net income ÷ equity or net worth | 16.3% | 4.1% | 97th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.17% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,873 |
Loan mix (Q1 2026): real estate $3.2M · commercial $0 · consumer $4.0M · securities $19.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 24.6% | 81.5% | 1th |
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.