| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.8% | +1.3% | +3.5 pts |
| Share growth (YoY) | +3.6% | +0.7% | +2.9 pts |
| Loan growth (YoY) | -23.7% | -2.4% | -21.3 pts |
| ROA | 1.46% | 0.60% | +0.9 pts |
| ROE | 13.3% | 4.1% | +9.2 pts |
ROA ranks in the 84th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $41.6M | $37.0M | $15.8M | $4.6M | $152K | 1.46% | 3.76% | 1.40% | 3,128 |
| Q4 2025 | $40.0M | $35.6M | $17.1M | $4.4M | $107K | 0.27% | 3.87% | 1.01% | 3,159 |
| Q3 2025 | $38.8M | $34.6M | $18.5M | $4.3M | $-16K | -0.06% | 3.90% | 0.89% | 3,178 |
| Q2 2025 | $38.2M | $34.0M | $19.3M | $4.0M | $218K | 1.14% | 3.90% | 0.67% | 3,185 |
| Q1 2025 | $39.7M | $35.7M | $20.8M | $4.0M | $138K | 1.39% | 3.76% | 0.79% | 3,124 |
| Q4 2024 | $39.4M | $35.9M | $22.0M | $4.2M | $185K | 0.47% | 3.46% | 0.61% | 3,282 |
| Q3 2024 | $38.6M | $34.7M | $23.1M | $4.3M | $155K | 0.54% | 3.46% | 0.35% | 3,334 |
| Q2 2024 | $37.8M | $35.0M | $23.4M | $4.3M | $91K | 0.48% | 3.44% | 0.75% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.46% | 0.60% | 84th | |
Return on equity Annualized net income ÷ equity or net worth | 13.3% | 4.1% | 94th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.76% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,327 |
Loan mix (Q1 2026): real estate $1.4M · commercial $0 · consumer $12.2M · securities $9.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.7% | 81.5% | 28th |
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.