| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.7% | +1.3% | +1.4 pts |
| Share growth (YoY) | +1.5% | +0.7% | +0.9 pts |
| Loan growth (YoY) | -4.7% | -2.4% | -2.3 pts |
| ROA | 1.35% | 0.60% | +0.7 pts |
| ROE | 10.9% | 4.1% | +6.8 pts |
ROA ranks in the 81st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $25.5M | $22.3M | $8.0M | $3.2M | $86K | 1.35% | 3.67% | 0.08% | 3,437 |
| Q4 2025 | $23.0M | $19.9M | $8.3M | $3.1M | $334K | 1.45% | 4.10% | 0.13% | 3,523 |
| Q3 2025 | $23.9M | $20.8M | $8.5M | $3.0M | $267K | 1.49% | 3.97% | 0.24% | 3,527 |
| Q2 2025 | $24.0M | $21.0M | $8.5M | $2.9M | $175K | 1.46% | 3.90% | 0.17% | 3,539 |
| Q1 2025 | $24.9M | $22.0M | $8.4M | $2.8M | $86K | 1.38% | 3.66% | 0.23% | 3,552 |
| Q4 2024 | $22.9M | $20.1M | $8.8M | $2.8M | $199K | 0.87% | 3.71% | 0.18% | 3,568 |
| Q3 2024 | $24.3M | $21.5M | $9.4M | $2.7M | $134K | 0.74% | 3.40% | 0.13% | 3,583 |
| Q2 2024 | $24.2M | $21.5M | $9.5M | $2.6M | $64K | 0.53% | 3.27% | 0.23% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.35% | 0.60% | 81th | |
Return on equity Annualized net income ÷ equity or net worth | 10.9% | 4.1% | 88th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.67% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,597 |
Loan mix (Q1 2026): real estate $486K · commercial $0 · consumer $7.1M · securities $14.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.3% | 81.5% | 18th |
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.