| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.0% | +1.3% | -0.3 pts |
| Share growth (YoY) | -0.1% | +0.7% | -0.8 pts |
| Loan growth (YoY) | +9.8% | -2.4% | +12.1 pts |
| ROA | 1.04% | 0.60% | +0.4 pts |
| ROE | 2.7% | 4.1% | -1.4 pts |
ROA ranks in the 71st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $9.3M | $5.6M | $2.9M | $3.6M | $24K | 1.04% | 3.16% | 1.90% | 470 |
| Q4 2025 | $9.2M | $5.5M | $2.8M | $3.6M | $109K | 1.19% | 3.43% | 1.67% | 464 |
| Q3 2025 | $9.1M | $5.4M | $2.9M | $3.6M | $85K | 1.24% | 3.50% | 1.90% | 495 |
| Q2 2025 | $9.2M | $5.6M | $2.7M | $3.6M | $59K | 1.28% | 3.48% | 1.34% | 465 |
| Q1 2025 | $9.2M | $5.6M | $2.6M | $3.5M | $32K | 1.39% | 3.58% | 1.07% | 497 |
| Q4 2024 | $9.2M | $5.6M | $2.7M | $3.5M | $115K | 1.26% | 3.45% | 0.66% | 504 |
| Q3 2024 | $9.1M | $5.6M | $2.7M | $3.5M | $85K | 1.25% | 3.43% | 0.29% | 512 |
| Q2 2024 | $9.3M | $5.8M | $2.8M | $3.5M | $56K | 1.21% | 3.28% | 0.53% | 515 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.04% | 0.60% | 71th | |
Return on equity Annualized net income ÷ equity or net worth | 2.7% | 4.1% | 40th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.16% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $2.4M · securities $6.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 59.1% | 81.5% | 11th |
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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