| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.0% | +1.3% | +2.7 pts |
| Share growth (YoY) | +3.6% | +0.7% | +2.9 pts |
| Loan growth (YoY) | -9.1% | -2.4% | -6.8 pts |
| ROA | 0.81% | 0.60% | +0.2 pts |
| ROE | 3.8% | 4.1% | -0.3 pts |
ROA ranks in the 60th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $15.4M | $12.0M | $8.6M | $3.3M | $31K | 0.81% | 4.62% | 1.58% | 1,279 |
| Q4 2025 | $15.6M | $12.3M | $9.1M | $3.3M | $192K | 1.23% | 4.57% | 1.41% | 1,281 |
| Q3 2025 | $15.9M | $12.5M | $9.1M | $3.2M | $124K | 1.04% | 4.38% | 1.39% | 1,286 |
| Q2 2025 | $15.4M | $12.0M | $9.5M | $3.2M | $75K | 0.97% | 4.39% | 2.49% | 1,304 |
| Q1 2025 | $14.9M | $11.6M | $9.5M | $3.1M | $49K | 1.31% | 4.38% | 2.83% | 1,364 |
| Q4 2024 | $14.0M | $10.9M | $9.6M | $3.1M | $179K | 1.28% | 4.55% | 1.22% | 1,366 |
| Q3 2024 | $13.5M | $10.3M | $9.5M | $3.0M | $122K | 1.21% | 4.72% | 2.20% | 1,351 |
| Q2 2024 | $13.5M | $10.4M | $9.5M | $3.0M | $94K | 1.39% | 4.65% | 1.59% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.81% | 0.60% | 60th | |
Return on equity Annualized net income ÷ equity or net worth | 3.8% | 4.1% | 48th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.62% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,360 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $7.6M · securities $3.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.3% | 81.5% | 21th |
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.