| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.2% | +1.3% | -0.1 pts |
| Share growth (YoY) | +0.1% | +0.7% | -0.6 pts |
| Loan growth (YoY) | -9.1% | -2.4% | -6.7 pts |
| ROA | 1.49% | 0.60% | +0.9 pts |
| ROE | 6.8% | 4.1% | +2.7 pts |
ROA ranks in the 85th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $29.4M | $22.4M | $12.6M | $6.4M | $110K | 1.49% | 4.48% | 0.10% | 3,150 |
| Q4 2025 | $28.4M | $21.7M | $12.9M | $6.3M | $562K | 1.98% | 4.73% | 0.07% | 3,214 |
| Q3 2025 | $28.8M | $22.2M | $13.1M | $6.3M | $494K | 2.28% | 4.68% | 0.08% | 3,301 |
| Q2 2025 | $29.3M | $22.6M | $13.3M | $6.2M | $155K | 1.06% | 4.67% | 0.12% | 3,281 |
| Q1 2025 | $29.1M | $22.4M | $13.9M | $6.1M | $74K | 1.02% | 4.53% | 0.08% | 3,613 |
| Q4 2024 | $27.7M | $21.6M | $13.9M | $5.8M | $281K | 1.01% | 4.82% | 0.12% | 3,510 |
| Q3 2024 | $27.8M | $21.7M | $13.7M | $5.8M | $188K | 0.90% | 4.74% | 0.12% | 4,036 |
| Q2 2024 | $28.7M | $22.4M | $14.0M | $5.7M | $124K | 0.87% | 4.55% | 0.24% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.49% | 0.60% | 85th | |
Return on equity Annualized net income ÷ equity or net worth | 6.8% | 4.1% | 69th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.48% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 4,072 |
Loan mix (Q1 2026): real estate $1.6M · commercial $5.3M · consumer $5.3M · securities $11.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.8% | 81.5% | 34th |
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.