| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.0% | +1.3% | +0.7 pts |
| Share growth (YoY) | +0.9% | +0.7% | +0.2 pts |
| Loan growth (YoY) | -8.0% | -2.4% | -5.6 pts |
| ROA | 1.79% | 0.60% | +1.2 pts |
| ROE | 7.5% | 4.1% | +3.4 pts |
ROA ranks in the 91st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $12.9M | $9.8M | $4.2M | $3.1M | $58K | 1.79% | 3.28% | 0.93% | 1,370 |
| Q4 2025 | $12.5M | $9.4M | $4.4M | $3.0M | $142K | 1.13% | 3.49% | 0.98% | 1,362 |
| Q3 2025 | $12.6M | $9.5M | $4.5M | $3.0M | $104K | 1.10% | 3.48% | 1.82% | 1,358 |
| Q2 2025 | $12.6M | $9.6M | $4.7M | $3.0M | $54K | 0.86% | 3.46% | 1.70% | 1,418 |
| Q1 2025 | $12.7M | $9.7M | $4.6M | $2.9M | $41K | 1.28% | 3.40% | 1.63% | 1,406 |
| Q4 2024 | $12.8M | $9.8M | $4.7M | $2.9M | $156K | 1.22% | 3.33% | 0.29% | 1,405 |
| Q3 2024 | $12.8M | $9.9M | $4.8M | $2.9M | $113K | 1.18% | 3.29% | 1.28% | 1,400 |
| Q2 2024 | $12.9M | $10.0M | $4.8M | $2.8M | $77K | 1.20% | 3.22% | 1.03% | 1,475 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.79% | 0.60% | 91th | |
Return on equity Annualized net income ÷ equity or net worth | 7.5% | 4.1% | 73th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.28% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $753K · commercial $0 · consumer $3.3M · securities $5.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 58.1% | 81.5% | 10th |
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.