| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.0% | +1.3% | +7.7 pts |
| Share growth (YoY) | +8.9% | +0.7% | +8.3 pts |
| Loan growth (YoY) | +12.5% | -2.4% | +14.9 pts |
| ROA | 0.14% | 0.60% | -0.5 pts |
| ROE | 1.2% | 4.1% | -2.9 pts |
ROA ranks in the 27th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $10.0M | $8.9M | $7.6M | $1.1M | $4K | 0.14% | 3.84% | 0.00% | 791 |
| Q4 2025 | $9.9M | $8.8M | $7.7M | $1.1M | $58K | 0.59% | 3.93% | 0.00% | 790 |
| Q3 2025 | $9.6M | $8.5M | $7.6M | $1.1M | $39K | 0.54% | 3.92% | 0.00% | 779 |
| Q2 2025 | $9.4M | $8.3M | $7.3M | $1.1M | $24K | 0.50% | 3.87% | 0.00% | 758 |
| Q1 2025 | $9.2M | $8.2M | $6.7M | $1.1M | $7K | 0.32% | 3.82% | 0.00% | 750 |
| Q4 2024 | $8.9M | $7.8M | $7.0M | $1.1M | $40K | 0.46% | 3.84% | 0.00% | 740 |
| Q3 2024 | $8.8M | $7.9M | $7.1M | $1.1M | $9K | 0.14% | 3.54% | 0.04% | 722 |
| Q2 2024 | $8.6M | $7.6M | $7.2M | $1.0M | $8K | 0.18% | 3.61% | 0.00% | 746 |
Loan mix (Q1 2026): real estate $2.5M · commercial $0 · consumer $4.2M · securities $2.1M
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.14% | 0.60% | 27th | |
Return on equity Annualized net income ÷ equity or net worth | 1.2% | 4.1% | 29th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.84% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 92.4% | 81.5% | 73th |
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.