| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.1% | +1.3% | +2.8 pts |
| Share growth (YoY) | +3.6% | +0.7% | +3.0 pts |
| Loan growth (YoY) | -8.9% | -2.4% | -6.6 pts |
| ROA | 0.89% | 0.60% | +0.3 pts |
| ROE | 4.3% | 4.1% | +0.2 pts |
ROA ranks in the 64th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $13.9M | $11.0M | $5.1M | $2.9M | $31K | 0.89% | 2.77% | 0.47% | 1,293 |
| Q4 2025 | $13.6M | $10.6M | $5.3M | $2.8M | $151K | 1.12% | 2.94% | 1.01% | 1,306 |
| Q3 2025 | $13.7M | $10.9M | $5.4M | $2.8M | $233K | 2.26% | 2.88% | 0.92% | 1,311 |
| Q2 2025 | $13.6M | $10.8M | $5.6M | $2.8M | $68K | 1.00% | 2.83% | 0.68% | 1,324 |
| Q1 2025 | $13.4M | $10.6M | $5.6M | $2.8M | $52K | 1.56% | 2.82% | 0.26% | 1,329 |
| Q4 2024 | $12.9M | $10.1M | $5.7M | $2.7M | $51K | 0.40% | 2.54% | 1.21% | 1,325 |
| Q3 2024 | $13.5M | $10.8M | $6.0M | $2.7M | $37K | 0.36% | 2.28% | 0.93% | 1,326 |
| Q2 2024 | $13.5M | $10.7M | $5.9M | $2.7M | $13K | 0.19% | 2.18% | 1.14% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.89% | 0.60% | 64th | |
Return on equity Annualized net income ÷ equity or net worth | 4.3% | 4.1% | 52th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.77% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,342 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $4.7M · securities $7.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.0% | 81.5% | 16th |
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.