| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.0% | +1.3% | +5.7 pts |
| Share growth (YoY) | +7.0% | +0.7% | +6.3 pts |
| Loan growth (YoY) | +1.5% | -2.4% | +3.9 pts |
| ROA | 0.44% | 0.60% | -0.2 pts |
| ROE | 4.2% | 4.1% | +0.1 pts |
ROA ranks in the 41st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $48.1M | $43.3M | $6.7M | $5.0M | $53K | 0.44% | 1.47% | 3.08% | 1,868 |
| Q4 2025 | $47.0M | $42.3M | $7.0M | $5.0M | $256K | 0.54% | 1.54% | 2.11% | 1,883 |
| Q3 2025 | $46.3M | $41.6M | $7.0M | $4.9M | $194K | 0.56% | 1.57% | 1.46% | 1,898 |
| Q2 2025 | $46.0M | $41.4M | $7.0M | $4.8M | $118K | 0.51% | 1.53% | 2.15% | 1,919 |
| Q1 2025 | $45.0M | $40.5M | $6.6M | $4.8M | $48K | 0.43% | 1.45% | 1.80% | 1,927 |
| Q4 2024 | $43.5M | $39.1M | $6.9M | $4.7M | $88K | 0.20% | 1.35% | 1.14% | 1,947 |
| Q3 2024 | $43.3M | $38.9M | $7.2M | $4.7M | $63K | 0.19% | 1.36% | 1.61% | 1,963 |
| Q2 2024 | $42.8M | $38.5M | $7.3M | $4.6M | $13K | 0.06% | 1.23% | 1.43% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.44% | 0.60% | 41th | |
Return on equity Annualized net income ÷ equity or net worth | 4.2% | 4.1% | 51th | |
Net interest margin Interest income − interest expense, ÷ assets | 1.47% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,974 |
Loan mix (Q1 2026): real estate $3.6M · commercial $0 · consumer $2.8M · securities $28.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.2% | 81.5% | 26th |
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.