| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.0% | +3.9% | +0.1 pts |
| Share growth (YoY) | +5.4% | +3.3% | +2.1 pts |
| Loan growth (YoY) | +6.6% | +2.9% | +3.7 pts |
| ROA | 0.21% | 0.69% | -0.5 pts |
| ROE | 1.8% | 5.9% | -4.1 pts |
ROA ranks in the 17th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $104.2M | $89.8M | $93.4M | $11.8M | $54K | 0.21% | 2.52% | 0.08% | 3,245 |
| Q4 2025 | $105.0M | $89.6M | $90.5M | $11.7M | $437K | 0.42% | 2.49% | 0.12% | 3,178 |
| Q3 2025 | $102.0M | $86.6M | $89.0M | $11.7M | $425K | 0.56% | 2.56% | 0.20% | 3,231 |
| Q2 2025 | $103.7M | $88.5M | $89.6M | $11.6M | $276K | 0.53% | 2.49% | 0.19% | 3,282 |
| Q1 2025 | $100.2M | $85.2M | $87.6M | $11.4M | $125K | 0.50% | 2.59% | 0.22% | 3,335 |
| Q4 2024 | $97.0M | $85.0M | $83.5M | $11.4M | $359K | 0.37% | 2.43% | 0.31% | 3,412 |
| Q3 2024 | $98.0M | $86.0M | $81.9M | $11.2M | $250K | 0.34% | 2.39% | 0.23% | 3,465 |
| Q2 2024 | $93.6M | $81.5M | $82.6M | $11.3M | $201K | 0.43% | 2.52% | 0.29% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.21% | 0.69% | 17th | |
Return on equity Annualized net income ÷ equity or net worth | 1.8% | 5.9% | 16th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.52% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 3,562 |
Loan mix (Q1 2026): real estate $64.4M · commercial $20.7M · consumer $7.7M · securities $1.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 89.8% | 78.7% | 85th |
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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