| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +12.0% | +1.3% | +10.7 pts |
| Share growth (YoY) | +12.9% | +0.7% | +12.2 pts |
| Loan growth (YoY) | -9.6% | -2.4% | -7.2 pts |
| ROA | 1.95% | 0.60% | +1.3 pts |
| ROE | 8.6% | 4.1% | +4.5 pts |
ROA ranks in the 93rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $12.2M | $9.5M | $6.8M | $2.8M | $60K | 1.95% | 3.33% | 3.25% | 739 |
| Q4 2025 | $12.1M | $9.4M | $7.3M | $2.7M | $244K | 2.01% | 3.64% | 0.00% | 741 |
| Q3 2025 | $12.1M | $9.4M | $7.1M | $2.7M | $207K | 2.28% | 3.67% | 0.00% | 751 |
| Q2 2025 | $11.4M | $8.7M | $7.2M | $2.6M | $141K | 2.47% | 3.88% | 0.00% | 758 |
| Q1 2025 | $10.9M | $8.4M | $7.5M | $2.6M | $72K | 2.63% | 4.03% | 0.00% | 755 |
| Q4 2024 | $10.9M | $8.4M | $7.9M | $2.5M | $173K | 1.59% | 4.42% | 0.00% | 762 |
| Q3 2024 | $11.6M | $9.1M | $8.6M | $2.5M | $201K | 2.32% | 4.20% | 0.40% | 772 |
| Q2 2024 | $11.5M | $9.1M | $8.9M | $2.4M | $-11K | -0.18% | 4.05% | 0.12% | 777 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.95% | 0.60% | 93th | |
Return on equity Annualized net income ÷ equity or net worth | 8.6% | 4.1% | 79th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.33% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $5.0M · consumer $1.5M · securities $2.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 33.9% | 81.5% | 1th |
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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