| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.9% | +1.3% | +2.5 pts |
| Share growth (YoY) | +3.0% | +0.7% | +2.3 pts |
| Loan growth (YoY) | -2.3% | -2.4% | +0.0 pts |
| ROA | 0.85% | 0.60% | +0.2 pts |
| ROE | 6.5% | 4.1% | +2.4 pts |
ROA ranks in the 62nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $42.7M | $36.8M | $18.0M | $5.5M | $90K | 0.85% | 4.51% | 1.76% | 4,797 |
| Q4 2025 | $41.3M | $35.5M | $18.4M | $5.4M | $675K | 1.63% | 4.68% | 0.44% | 4,780 |
| Q3 2025 | $42.5M | $36.6M | $18.9M | $5.4M | $598K | 1.88% | 4.63% | 0.42% | 4,751 |
| Q2 2025 | $42.4M | $36.8M | $18.4M | $5.1M | $351K | 1.66% | 4.50% | 1.60% | 4,731 |
| Q1 2025 | $41.2M | $35.8M | $18.4M | $5.0M | $165K | 1.61% | 4.54% | 0.59% | 4,701 |
| Q4 2024 | $42.8M | $37.5M | $18.8M | $4.8M | $532K | 1.24% | 4.19% | 1.84% | 4,765 |
| Q3 2024 | $39.8M | $34.6M | $18.7M | $4.8M | $467K | 1.56% | 4.53% | 1.40% | 4,753 |
| Q2 2024 | $40.9M | $35.9M | $18.8M | $4.6M | $272K | 1.33% | 4.35% | 0.71% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.85% | 0.60% | 62th | |
Return on equity Annualized net income ÷ equity or net worth | 6.5% | 4.1% | 67th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.51% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 4,805 |
Loan mix (Q1 2026): real estate $6.2M · commercial $0 · consumer $10.6M · securities $14.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.0% | 81.5% | 44th |
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.