| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.5% | +1.3% | +3.2 pts |
| Share growth (YoY) | +3.2% | +0.7% | +2.5 pts |
| Loan growth (YoY) | -5.0% | -2.4% | -2.7 pts |
| ROA | 1.48% | 0.60% | +0.9 pts |
| ROE | 7.6% | 4.1% | +3.5 pts |
ROA ranks in the 85th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $22.1M | $17.7M | $8.1M | $4.3M | $82K | 1.48% | 4.21% | 0.55% | 2,328 |
| Q4 2025 | $21.2M | $17.0M | $8.2M | $4.2M | $414K | 1.95% | 4.36% | 0.66% | 2,316 |
| Q3 2025 | $21.4M | $17.3M | $8.1M | $4.2M | $311K | 1.94% | 4.29% | 0.00% | 2,324 |
| Q2 2025 | $21.2M | $17.1M | $8.4M | $4.1M | $178K | 1.68% | 4.32% | 0.00% | 2,320 |
| Q1 2025 | $21.1M | $17.1M | $8.5M | $3.9M | $148K | 2.80% | 4.13% | 0.00% | 2,327 |
| Q4 2024 | $20.4M | $16.6M | $8.5M | $3.8M | $278K | 1.36% | 3.73% | 0.00% | 2,355 |
| Q3 2024 | $20.5M | $16.7M | $8.6M | $3.8M | $196K | 1.27% | 3.67% | 0.02% | 2,358 |
| Q2 2024 | $20.8M | $17.1M | $8.5M | $3.7M | $130K | 1.24% | 3.43% | 0.38% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.48% | 0.60% | 85th | |
Return on equity Annualized net income ÷ equity or net worth | 7.6% | 4.1% | 73th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.21% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,360 |
Loan mix (Q1 2026): real estate $647K · commercial $0 · consumer $7.1M · securities $12.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 58.8% | 81.5% | 11th |
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.