| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.7% | +1.3% | -0.6 pts |
| Share growth (YoY) | +0.3% | +0.7% | -0.3 pts |
| Loan growth (YoY) | -1.8% | -2.4% | +0.6 pts |
| ROA | 0.76% | 0.60% | +0.2 pts |
| ROE | 5.4% | 4.1% | +1.3 pts |
ROA ranks in the 58th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $36.9M | $31.7M | $15.1M | $5.2M | $70K | 0.76% | 3.09% | 0.53% | 2,227 |
| Q4 2025 | $36.7M | $31.5M | $15.4M | $5.1M | $259K | 0.71% | 2.90% | 0.76% | 2,235 |
| Q3 2025 | $36.3M | $31.2M | $15.5M | $5.1M | $211K | 0.78% | 2.90% | 0.42% | 2,329 |
| Q2 2025 | $36.3M | $31.2M | $15.3M | $5.0M | $152K | 0.84% | 2.86% | 0.34% | 2,335 |
| Q1 2025 | $36.6M | $31.6M | $15.3M | $4.9M | $69K | 0.75% | 2.73% | 0.37% | 2,327 |
| Q4 2024 | $35.0M | $29.8M | $15.6M | $4.9M | $185K | 0.53% | 2.52% | 0.30% | 2,336 |
| Q3 2024 | $34.6M | $29.6M | $15.8M | $4.8M | $138K | 0.53% | 2.48% | 0.30% | 2,392 |
| Q2 2024 | $35.0M | $30.1M | $15.7M | $4.7M | $66K | 0.38% | 2.30% | 0.44% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.76% | 0.60% | 58th | |
Return on equity Annualized net income ÷ equity or net worth | 5.4% | 4.1% | 60th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.09% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,401 |
Loan mix (Q1 2026): real estate $8.5M · commercial $0 · consumer $6.0M · securities $16.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.9% | 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.