| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.8% | +1.3% | +6.5 pts |
| Share growth (YoY) | +10.2% | +0.7% | +9.6 pts |
| Loan growth (YoY) | -7.3% | -2.4% | -4.9 pts |
| ROA | 0.88% | 0.60% | +0.3 pts |
| ROE | 5.7% | 4.1% | +1.6 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 | $16.4M | $14.0M | $7.6M | $2.5M | $36K | 0.88% | 3.27% | 0.56% | 1,797 |
| Q4 2025 | $15.9M | $13.3M | $7.8M | $2.5M | $71K | 0.44% | 3.40% | 0.21% | 1,778 |
| Q3 2025 | $15.9M | $13.4M | $8.3M | $2.6M | $124K | 1.04% | 3.54% | 0.36% | 1,857 |
| Q2 2025 | $15.8M | $13.4M | $8.1M | $2.5M | $83K | 1.05% | 3.54% | 0.30% | 1,858 |
| Q1 2025 | $15.2M | $12.7M | $8.1M | $2.5M | $46K | 1.21% | 3.72% | 0.48% | 1,766 |
| Q4 2024 | $14.6M | $12.1M | $8.4M | $2.5M | $77K | 0.53% | 3.71% | 0.35% | 1,838 |
| Q3 2024 | $14.5M | $12.0M | $8.3M | $2.5M | $68K | 0.62% | 3.81% | 0.29% | 1,759 |
| Q2 2024 | $14.3M | $11.9M | $8.4M | $2.4M | $25K | 0.35% | 3.74% | 0.23% |
| 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 | 5.7% | 4.1% | 62th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.27% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,762 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $6.4M · securities $5.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 84.2% | 81.5% | 56th |
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.