| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.6% | +1.3% | +0.3 pts |
| Share growth (YoY) | +0.1% | +0.7% | -0.6 pts |
| Loan growth (YoY) | -16.9% | -2.4% | -14.5 pts |
| ROA | 1.35% | 0.60% | +0.7 pts |
| ROE | 14.3% | 4.1% | +10.2 pts |
ROA ranks in the 81st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $16.0M | $14.5M | $5.6M | $1.5M | $54K | 1.35% | 4.11% | 0.34% | 1,911 |
| Q4 2025 | $15.4M | $14.0M | $6.0M | $1.5M | $236K | 1.53% | 4.33% | 1.34% | 1,897 |
| Q3 2025 | $15.3M | $13.9M | $6.1M | $1.4M | $184K | 1.60% | 4.34% | 0.19% | 1,896 |
| Q2 2025 | $15.6M | $14.3M | $6.2M | $1.4M | $121K | 1.55% | 4.21% | 0.29% | 1,916 |
| Q1 2025 | $15.8M | $14.5M | $6.8M | $1.3M | $61K | 1.54% | 4.04% | 0.00% | 1,912 |
| Q4 2024 | $15.4M | $14.1M | $6.9M | $1.2M | $150K | 0.98% | 3.60% | 0.27% | 1,978 |
| Q3 2024 | $15.1M | $13.9M | $6.9M | $1.2M | $100K | 0.88% | 3.50% | 0.07% | 1,975 |
| Q2 2024 | $15.3M | $14.1M | $7.0M | $1.1M | $47K | 0.62% | 3.24% | 0.00% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.35% | 0.60% | 81th | |
Return on equity Annualized net income ÷ equity or net worth | 14.3% | 4.1% | 95th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.11% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,982 |
Loan mix (Q1 2026): real estate $1.9M · commercial $0 · consumer $3.4M · securities $8.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.3% | 81.5% | 33th |
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.