| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.2% | +1.3% | +2.9 pts |
| Share growth (YoY) | +3.1% | +0.7% | +2.4 pts |
| Loan growth (YoY) | -9.8% | -2.4% | -7.5 pts |
| ROA | 1.55% | 0.60% | +0.9 pts |
| ROE | 7.7% | 4.1% | +3.6 pts |
ROA ranks in the 86th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $46.7M | $37.1M | $15.7M | $9.3M | $181K | 1.55% | 2.71% | 0.69% | 5,908 |
| Q4 2025 | $45.8M | $35.9M | $16.2M | $9.2M | $756K | 1.65% | 2.83% | 0.51% | 5,908 |
| Q3 2025 | $44.9M | $35.8M | $16.4M | $9.0M | $556K | 1.65% | 2.87% | 0.31% | 5,931 |
| Q2 2025 | $44.5M | $35.5M | $17.0M | $8.8M | $360K | 1.62% | 2.79% | 0.27% | 5,950 |
| Q1 2025 | $44.8M | $36.0M | $17.4M | $8.6M | $50K | 0.45% | 1.52% | 0.12% | 5,946 |
| Q4 2024 | $43.1M | $34.5M | $19.0M | $8.4M | $515K | 1.19% | 2.48% | 0.13% | 5,942 |
| Q3 2024 | $44.1M | $35.7M | $19.7M | $8.3M | $396K | 1.20% | 2.36% | 0.07% | 5,983 |
| Q2 2024 | $44.3M | $36.1M | $20.2M | $8.1M | $187K | 0.85% | 2.23% | 0.10% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.55% | 0.60% | 86th | |
Return on equity Annualized net income ÷ equity or net worth | 7.7% | 4.1% | 74th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.71% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 5,989 |
Loan mix (Q1 2026): real estate $5.6M · commercial $0 · consumer $9.9M · securities $27.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 49.0% | 81.5% | 4th |
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.