| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.1% | +1.3% | -0.2 pts |
| Share growth (YoY) | -0.2% | +0.7% | -0.8 pts |
| Loan growth (YoY) | -2.3% | -2.4% | +0.0 pts |
| ROA | 1.10% | 0.60% | +0.5 pts |
| ROE | 3.4% | 4.1% | -0.7 pts |
ROA ranks in the 73rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $12.2M | $8.2M | $2.8M | $4.0M | $34K | 1.10% | 4.15% | 0.00% | 1,151 |
| Q4 2025 | $12.2M | $8.2M | $3.0M | $4.0M | $142K | 1.17% | 4.52% | 0.03% | 1,161 |
| Q3 2025 | $12.3M | $8.3M | $3.0M | $4.0M | $111K | 1.21% | 4.52% | 0.01% | 1,178 |
| Q2 2025 | $12.3M | $8.4M | $2.8M | $3.9M | $68K | 1.10% | 4.47% | 0.00% | 1,181 |
| Q1 2025 | $12.1M | $8.2M | $2.9M | $3.9M | $29K | 0.96% | 4.56% | 0.26% | 1,227 |
| Q4 2024 | $12.1M | $8.2M | $3.0M | $3.8M | $216K | 1.79% | 4.99% | 0.27% | 1,244 |
| Q3 2024 | $12.5M | $8.7M | $3.0M | $3.8M | $169K | 1.80% | 4.89% | 0.06% | 1,254 |
| Q2 2024 | $13.3M | $9.5M | $3.0M | $3.7M | $110K | 1.66% | 4.57% | 0.53% | 1,265 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.10% | 0.60% | 73th | |
Return on equity Annualized net income ÷ equity or net worth | 3.4% | 4.1% | 45th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.15% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $2.5M · securities $7.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.0% | 81.5% | 33th |
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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