| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.9% | +1.3% | +1.6 pts |
| Share growth (YoY) | +3.3% | +0.7% | +2.6 pts |
| Loan growth (YoY) | +6.2% | -2.4% | +8.6 pts |
| ROA | 0.35% | 0.60% | -0.3 pts |
| ROE | 1.6% | 4.1% | -2.5 pts |
ROA ranks in the 38th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $81.0M | $64.7M | $55.9M | $17.6M | $71K | 0.35% | 5.59% | 0.82% | 8,953 |
| Q4 2025 | $78.7M | $62.8M | $55.4M | $17.6M | $711K | 0.90% | 5.79% | 0.77% | 9,151 |
| Q3 2025 | $77.0M | $60.7M | $54.3M | $17.4M | $578K | 1.00% | 5.90% | 0.57% | 9,170 |
| Q2 2025 | $78.7M | $62.6M | $53.0M | $17.3M | $439K | 1.11% | 5.72% | 0.39% | 9,212 |
| Q1 2025 | $78.7M | $62.6M | $52.6M | $17.2M | $324K | 1.65% | 5.66% | 0.56% | 9,198 |
| Q4 2024 | $76.9M | $60.7M | $52.0M | $16.9M | $1.0M | 1.32% | 5.79% | 0.33% | 9,143 |
| Q3 2024 | $76.1M | $60.3M | $52.2M | $16.7M | $847K | 1.48% | 5.81% | 0.32% | 9,245 |
| Q2 2024 | $78.6M | $63.0M | $51.3M | $16.4M | $542K | 1.38% | 5.53% | 0.17% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.35% | 0.60% | 38th | |
Return on equity Annualized net income ÷ equity or net worth | 1.6% | 4.1% | 32th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.59% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 9,286 |
Loan mix (Q1 2026): real estate $17.1M · commercial $0 · consumer $30.7M · securities $14.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 87.7% | 81.5% | 65th |
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% |
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