| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -26.3% | +1.3% | -27.6 pts |
| Share growth (YoY) | -28.3% | +0.7% | -28.9 pts |
| Loan growth (YoY) | -32.0% | -2.4% | -29.7 pts |
| ROA | 4.00% | 0.60% | +3.4 pts |
| ROE | 41.0% | 4.1% | +36.9 pts |
ROA ranks in the 99th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $20.6M | $18.5M | $16.1M | $2.0M | $206K | 4.00% | 6.47% | 0.86% | 2,821 |
| Q4 2025 | $19.8M | $17.8M | $17.3M | $1.8M | $74K | 0.37% | 5.88% | 0.81% | 2,860 |
| Q3 2025 | $21.9M | $20.0M | $18.4M | $1.8M | $3K | 0.02% | 5.24% | 1.44% | 3,033 |
| Q2 2025 | $26.5M | $24.7M | $20.9M | $1.7M | $-60K | -0.45% | 4.17% | 1.20% | 2,979 |
| Q1 2025 | $28.0M | $25.7M | $23.7M | $1.8M | $-31K | -0.44% | 4.20% | 1.34% | 3,001 |
| Q4 2024 | $27.4M | $25.6M | $24.5M | $1.8M | $-299K | -1.09% | 4.33% | 1.74% | 3,016 |
| Q3 2024 | $29.0M | $26.9M | $24.8M | $2.1M | $-73K | -0.34% | 4.11% | 1.85% | 3,050 |
| Q2 2024 | $30.3M | $28.3M | $24.9M | $2.2M | $-13K | -0.09% | 3.94% | 1.88% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 4.00% | 0.60% | 99th | |
Return on equity Annualized net income ÷ equity or net worth | 41.0% | 4.1% | 99th | |
Net interest margin Interest income − interest expense, ÷ assets | 6.47% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,108 |
Loan mix (Q1 2026): real estate $7.1M · commercial $242K · consumer $8.2M · securities $984K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.4% | 81.5% | 42th |
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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