| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.3% | +1.3% | +4.0 pts |
| Share growth (YoY) | +4.3% | +0.7% | +3.6 pts |
| Loan growth (YoY) | -11.5% | -2.4% | -9.2 pts |
| ROA | 1.65% | 0.60% | +1.0 pts |
| ROE | 8.3% | 4.1% | +4.2 pts |
ROA ranks in the 88th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $18.4M | $14.7M | $7.4M | $3.6M | $76K | 1.65% | 3.37% | 0.00% | 2,224 |
| Q4 2025 | $18.0M | $14.4M | $7.7M | $3.6M | $344K | 1.91% | 3.53% | 0.00% | 2,218 |
| Q3 2025 | $17.9M | $14.3M | $7.9M | $3.5M | $260K | 1.94% | 3.58% | 0.09% | 2,198 |
| Q2 2025 | $17.7M | $14.3M | $8.2M | $3.4M | $172K | 1.94% | 3.59% | 0.00% | 2,193 |
| Q1 2025 | $17.5M | $14.1M | $8.4M | $3.3M | $86K | 1.97% | 3.73% | 0.00% | 2,213 |
| Q4 2024 | $17.3M | $14.1M | $8.7M | $3.2M | $354K | 2.04% | 3.68% | 0.01% | 2,208 |
| Q3 2024 | $17.9M | $14.7M | $8.8M | $3.1M | $260K | 1.93% | 3.48% | 0.01% | 2,198 |
| Q2 2024 | $18.2M | $15.1M | $8.8M | $3.0M | $155K | 1.70% | 3.24% | 0.00% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.65% | 0.60% | 88th | |
Return on equity Annualized net income ÷ equity or net worth | 8.3% | 4.1% | 78th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.37% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,198 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $6.3M · securities $7.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 52.2% | 81.5% | 6th |
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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