| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.0% | +1.3% | +2.7 pts |
| Share growth (YoY) | +2.7% | +0.7% | +2.0 pts |
| Loan growth (YoY) | -10.1% | -2.4% | -7.7 pts |
| ROA | 1.88% | 0.60% | +1.3 pts |
| ROE | 7.9% | 4.1% | +3.8 pts |
ROA ranks in the 92nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $10.1M | $7.7M | $5.8M | $2.4M | $47K | 1.88% | 4.91% | 0.43% | 1,725 |
| Q4 2025 | $9.7M | $7.3M | $6.1M | $2.3M | $183K | 1.90% | 5.31% | 1.15% | 1,744 |
| Q3 2025 | $9.8M | $7.5M | $6.5M | $2.3M | $136K | 1.84% | 5.20% | 0.74% | 1,835 |
| Q2 2025 | $9.6M | $7.3M | $6.6M | $2.2M | $89K | 1.86% | 5.26% | 0.05% | 1,837 |
| Q1 2025 | $9.7M | $7.5M | $6.4M | $2.2M | $43K | 1.80% | 5.43% | 0.12% | 1,837 |
| Q4 2024 | $9.5M | $7.3M | $6.5M | $2.2M | $191K | 2.02% | 5.37% | 0.62% | 1,824 |
| Q3 2024 | $10.0M | $7.9M | $6.9M | $2.1M | $122K | 1.62% | 4.77% | 0.21% | 1,845 |
| Q2 2024 | $9.7M | $7.6M | $6.8M | $2.1M | $81K | 1.68% | 4.78% | 0.21% | 1,821 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.88% | 0.60% | 92th | |
Return on equity Annualized net income ÷ equity or net worth | 7.9% | 4.1% | 76th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.91% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $5.0M · securities $3.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.7% | 81.5% | 17th |
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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