| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.7% | +1.3% | +4.4 pts |
| Share growth (YoY) | +5.8% | +0.7% | +5.1 pts |
| Loan growth (YoY) | -8.4% | -2.4% | -6.0 pts |
| ROA | 0.88% | 0.60% | +0.3 pts |
| ROE | 7.0% | 4.1% | +2.9 pts |
ROA ranks in the 64th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $73.5M | $63.7M | $23.6M | $9.3M | $162K | 0.88% | 2.62% | 0.65% | 4,360 |
| Q4 2025 | $73.9M | $64.1M | $24.7M | $9.2M | $543K | 0.74% | 2.19% | 0.74% | 4,339 |
| Q3 2025 | $73.5M | $64.0M | $25.4M | $9.2M | $594K | 1.08% | 2.50% | 0.45% | 4,338 |
| Q2 2025 | $72.0M | $62.8M | $25.4M | $9.0M | $396K | 1.10% | 2.52% | 0.80% | 4,315 |
| Q1 2025 | $69.5M | $60.2M | $25.8M | $8.8M | $205K | 1.18% | 2.65% | 0.50% | 4,308 |
| Q4 2024 | $67.0M | $57.7M | $26.4M | $8.6M | $539K | 0.80% | 2.18% | 0.44% | 4,303 |
| Q3 2024 | $65.0M | $55.8M | $27.0M | $8.7M | $621K | 1.27% | 2.72% | 0.31% | 4,032 |
| Q2 2024 | $65.6M | $56.4M | $27.5M | $8.5M | $422K | 1.29% | 2.66% | 0.98% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.88% | 0.60% | 64th | |
Return on equity Annualized net income ÷ equity or net worth | 7.0% | 4.1% | 70th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.62% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 4,009 |
Loan mix (Q1 2026): real estate $10.6M · commercial $0 · consumer $11.6M · securities $27.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.8% | 81.5% | 18th |
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.