| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.5% | +1.3% | +0.2 pts |
| Share growth (YoY) | +1.4% | +0.7% | +0.8 pts |
| Loan growth (YoY) | -4.1% | -2.4% | -1.8 pts |
| ROA | 1.20% | 0.60% | +0.6 pts |
| ROE | 8.4% | 4.1% | +4.3 pts |
ROA ranks in the 76th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $20.2M | $17.1M | $8.8M | $2.9M | $61K | 1.20% | 4.97% | 0.73% | 3,161 |
| Q4 2025 | $19.4M | $16.4M | $8.9M | $2.8M | $296K | 1.53% | 5.41% | 0.48% | 3,163 |
| Q3 2025 | $19.3M | $16.4M | $8.7M | $2.8M | $232K | 1.61% | 5.45% | 0.63% | 3,251 |
| Q2 2025 | $19.5M | $16.6M | $9.1M | $2.7M | $161K | 1.65% | 5.41% | 0.74% | 3,363 |
| Q1 2025 | $19.9M | $16.9M | $9.2M | $2.6M | $94K | 1.89% | 5.26% | 0.84% | 3,355 |
| Q4 2024 | $19.1M | $16.4M | $8.8M | $2.5M | $365K | 1.91% | 5.57% | 0.65% | 3,359 |
| Q3 2024 | $18.8M | $16.2M | $8.6M | $2.5M | $283K | 2.00% | 5.65% | 0.71% | 3,477 |
| Q2 2024 | $19.6M | $17.0M | $8.3M | $2.4M | $194K | 1.98% | 5.49% | 0.78% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.20% | 0.60% | 76th | |
Return on equity Annualized net income ÷ equity or net worth | 8.4% | 4.1% | 78th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.97% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,501 |
Loan mix (Q1 2026): real estate $3.5M · commercial $0 · consumer $5.1M · securities $8.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.4% | 81.5% | 32th |
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.