| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.8% | +1.3% | +2.5 pts |
| Share growth (YoY) | +3.0% | +0.7% | +2.3 pts |
| Loan growth (YoY) | +2.3% | -2.4% | +4.7 pts |
| ROA | 0.85% | 0.60% | +0.2 pts |
| ROE | 6.3% | 4.1% | +2.2 pts |
ROA ranks in the 62nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $66.2M | $57.1M | $22.1M | $8.9M | $140K | 0.85% | 3.27% | 0.15% | 2,095 |
| Q4 2025 | $65.4M | $56.4M | $22.5M | $8.7M | $915K | 1.40% | 3.35% | 0.01% | 2,082 |
| Q3 2025 | $64.3M | $55.5M | $22.5M | $8.5M | $677K | 1.40% | 3.36% | 0.04% | 2,070 |
| Q2 2025 | $63.6M | $55.1M | $22.1M | $8.3M | $453K | 1.43% | 3.29% | 0.02% | 2,061 |
| Q1 2025 | $63.8M | $55.5M | $21.6M | $8.1M | $232K | 1.46% | 3.30% | 0.01% | 2,061 |
| Q4 2024 | $60.9M | $52.7M | $22.3M | $7.8M | $875K | 1.44% | 3.31% | 0.02% | 2,078 |
| Q3 2024 | $58.8M | $50.8M | $22.1M | $7.7M | $694K | 1.57% | 3.44% | 0.04% | 2,102 |
| Q2 2024 | $59.3M | $51.6M | $21.4M | $7.5M | $480K | 1.62% | 3.33% | 0.02% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.85% | 0.60% | 62th | |
Return on equity Annualized net income ÷ equity or net worth | 6.3% | 4.1% | 66th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.27% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,099 |
Loan mix (Q1 2026): real estate $6.2M · commercial $0 · consumer $12.9M · securities $29.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.4% | 81.5% | 25th |
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.