| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.0% | +1.3% | -0.3 pts |
| Share growth (YoY) | +1.4% | +0.7% | +0.8 pts |
| Loan growth (YoY) | -21.3% | -2.4% | -18.9 pts |
| ROA | 1.08% | 0.60% | +0.5 pts |
| ROE | 7.8% | 4.1% | +3.7 pts |
ROA ranks in the 72nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $9.3M | $8.0M | $2.0M | $1.3M | $25K | 1.08% | 3.73% | 2.16% | 1,063 |
| Q4 2025 | $9.3M | $8.0M | $2.3M | $1.3M | $39K | 0.42% | 3.38% | 2.04% | 1,091 |
| Q3 2025 | $9.4M | $8.2M | $2.4M | $1.2M | $30K | 0.43% | 3.35% | 2.10% | 880 |
| Q2 2025 | $9.6M | $8.3M | $2.4M | $1.2M | $14K | 0.28% | 3.41% | 2.29% | 892 |
| Q1 2025 | $9.2M | $7.9M | $2.6M | $1.2M | $18K | 0.77% | 3.96% | 1.39% | 903 |
| Q4 2024 | $8.8M | $7.6M | $2.6M | $1.2M | $-222K | -2.52% | 0.35% | 0.01% | 1,135 |
| Q3 2024 | $8.6M | $7.3M | $2.6M | $1.2M | $39K | 0.61% | 3.91% | 1.81% | 1,136 |
| Q2 2024 | $8.8M | $7.5M | $2.7M | $1.2M | $30K | 0.69% | 3.92% | 0.05% | 1,022 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.08% | 0.60% | 72th | |
Return on equity Annualized net income ÷ equity or net worth | 7.8% | 4.1% | 75th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.73% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $2.0M · securities $6.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.7% | 81.5% | 43th |
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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