| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +25.6% | +1.3% | +24.3 pts |
| Share growth (YoY) | +29.1% | +0.7% | +28.4 pts |
| Loan growth (YoY) | -1.4% | -2.4% | +1.0 pts |
| ROA | 0.16% | 0.60% | -0.4 pts |
| ROE | 1.3% | 4.1% | -2.8 pts |
ROA ranks in the 28th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $92.4M | $80.5M | $52.1M | $11.0M | $37K | 0.16% | 2.31% | 0.71% | 3,178 |
| Q4 2025 | $89.5M | $77.3M | $51.8M | $10.9M | $427K | 0.48% | 2.66% | 0.66% | 3,173 |
| Q3 2025 | $83.9M | $71.6M | $54.3M | $10.9M | $375K | 0.60% | 2.91% | 0.31% | 3,156 |
| Q2 2025 | $77.5M | $65.8M | $54.0M | $10.8M | $251K | 0.65% | 3.12% | 0.31% | 3,135 |
| Q1 2025 | $73.6M | $62.3M | $52.9M | $10.7M | $196K | 1.06% | 3.27% | 0.22% | 3,127 |
| Q4 2024 | $70.8M | $58.6M | $53.6M | $10.5M | $444K | 0.63% | 3.79% | 0.51% | 3,115 |
| Q3 2024 | $68.9M | $55.1M | $54.8M | $10.4M | $350K | 0.68% | 3.90% | 0.52% | 3,108 |
| Q2 2024 | $67.8M | $55.5M | $54.4M | $10.3M | $248K | 0.73% | 3.98% | 0.41% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.16% | 0.60% | 28th | |
Return on equity Annualized net income ÷ equity or net worth | 1.3% | 4.1% | 30th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.31% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,092 |
Loan mix (Q1 2026): real estate $8.2M · commercial $23.6M · consumer $16.8M · securities $12.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 94.2% | 81.5% | 77th |
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.