| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.0% | +1.3% | +0.7 pts |
| Share growth (YoY) | +0.4% | +0.7% | -0.3 pts |
| Loan growth (YoY) | -11.7% | -2.4% | -9.4 pts |
| ROA | 2.29% | 0.60% | +1.7 pts |
| ROE | 13.8% | 4.1% | +9.7 pts |
ROA ranks in the 96th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $43.3M | $35.9M | $25.3M | $7.2M | $248K | 2.29% | 4.64% | 0.79% | 4,436 |
| Q4 2025 | $42.0M | $34.9M | $26.6M | $6.9M | $737K | 1.75% | 4.22% | 0.78% | 4,383 |
| Q3 2025 | $41.8M | $34.8M | $27.7M | $6.8M | $509K | 1.62% | 4.27% | 0.72% | 4,357 |
| Q2 2025 | $42.5M | $35.7M | $27.8M | $6.5M | $294K | 1.38% | 4.21% | 0.87% | 4,347 |
| Q1 2025 | $42.4M | $35.8M | $28.7M | $6.4M | $111K | 1.05% | 4.24% | 0.88% | 4,590 |
| Q4 2024 | $39.8M | $33.2M | $29.8M | $6.3M | $1.0M | 2.52% | 4.50% | 1.04% | 4,606 |
| Q3 2024 | $38.6M | $32.4M | $30.8M | $6.1M | $722K | 2.49% | 4.64% | 1.09% | 4,583 |
| Q2 2024 | $39.6M | $33.5M | $31.6M | $5.8M | $478K | 2.42% | 4.47% | 1.07% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.29% | 0.60% | 96th | |
Return on equity Annualized net income ÷ equity or net worth | 13.8% | 4.1% | 95th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.64% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 4,332 |
Loan mix (Q1 2026): real estate $5.1M · commercial $0 · consumer $18.6M · securities $4.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 59.2% | 81.5% | 11th |
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.