| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +13.5% | +1.3% | +12.2 pts |
| Share growth (YoY) | +13.7% | +0.7% | +13.0 pts |
| Loan growth (YoY) | -0.2% | -2.4% | +2.1 pts |
| ROA | 0.82% | 0.60% | +0.2 pts |
| ROE | 9.0% | 4.1% | +4.9 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 | $22.1M | $20.0M | $10.1M | $2.0M | $45K | 0.82% | 3.20% | 0.51% | 1,613 |
| Q4 2025 | $20.4M | $18.3M | $10.0M | $2.0M | $239K | 1.18% | 3.67% | 0.11% | 1,600 |
| Q3 2025 | $18.9M | $16.9M | $10.4M | $1.9M | $186K | 1.31% | 3.93% | 0.24% | 1,587 |
| Q2 2025 | $19.4M | $17.5M | $10.4M | $1.8M | $108K | 1.12% | 3.75% | 0.44% | 1,586 |
| Q1 2025 | $19.5M | $17.6M | $10.1M | $1.8M | $48K | 0.98% | 3.62% | 0.31% | 1,574 |
| Q4 2024 | $19.1M | $17.3M | $10.2M | $1.7M | $171K | 0.90% | 3.16% | 0.24% | 1,561 |
| Q3 2024 | $18.5M | $16.7M | $10.3M | $1.7M | $134K | 0.97% | 3.11% | 0.04% | 1,552 |
| Q2 2024 | $19.9M | $18.2M | $10.2M | $1.6M | $58K | 0.58% | 2.68% | 0.17% |
| 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 | 9.0% | 4.1% | 81th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.20% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,542 |
Loan mix (Q1 2026): real estate $186K · commercial $1.1M · consumer $6.3M · securities $8.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.7% | 81.5% | 48th |
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.