| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +14.8% | +1.3% | +13.5 pts |
| Share growth (YoY) | +15.7% | +0.7% | +15.0 pts |
| Loan growth (YoY) | +0.5% | -2.4% | +2.8 pts |
| ROA | 0.82% | 0.60% | +0.2 pts |
| ROE | 3.3% | 4.1% | -0.8 pts |
ROA ranks in the 61st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $11.2M | $8.4M | $6.3M | $2.8M | $23K | 0.82% | 5.68% | 0.04% | 2,041 |
| Q4 2025 | $11.1M | $8.3M | $6.3M | $2.8M | $325K | 2.94% | 5.75% | 0.46% | 2,007 |
| Q3 2025 | $10.9M | $8.2M | $6.3M | $2.7M | $270K | 3.29% | 5.80% | 1.51% | 1,989 |
| Q2 2025 | $10.3M | $7.7M | $6.2M | $2.6M | $176K | 3.42% | 6.12% | 0.54% | 1,928 |
| Q1 2025 | $9.7M | $7.2M | $6.3M | $2.5M | $33K | 1.34% | 6.38% | 0.37% | 1,881 |
| Q4 2024 | $9.7M | $7.2M | $6.6M | $2.4M | $314K | 3.25% | 6.69% | 0.85% | 1,854 |
| Q3 2024 | $9.0M | $6.6M | $6.3M | $2.4M | $240K | 3.54% | 7.14% | 0.74% | 1,813 |
| Q2 2024 | $9.0M | $6.7M | $6.5M | $2.3M | $180K | 3.99% | 7.00% | 1.54% | 1,767 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.82% | 0.60% | 61th | |
Return on equity Annualized net income ÷ equity or net worth | 3.3% | 4.1% | 44th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.68% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $6.3M · securities $4.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.5% | 81.5% | 15th |
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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