| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.4% | +1.3% | +2.1 pts |
| Share growth (YoY) | +4.0% | +0.7% | +3.3 pts |
| Loan growth (YoY) | -7.5% | -2.4% | -5.2 pts |
| ROA | 1.46% | 0.60% | +0.9 pts |
| ROE | 4.5% | 4.1% | +0.4 pts |
ROA ranks in the 84th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $22.8M | $15.4M | $14.7M | $7.3M | $83K | 1.46% | 4.10% | 1.63% | 1,305 |
| Q4 2025 | $22.6M | $15.3M | $15.2M | $7.2M | $242K | 1.07% | 4.14% | 0.17% | 1,304 |
| Q3 2025 | $22.3M | $14.9M | $15.3M | $7.3M | $280K | 1.68% | 4.09% | 0.95% | 1,316 |
| Q2 2025 | $21.7M | $14.5M | $15.7M | $7.2M | $184K | 1.70% | 4.17% | 2.22% | 1,339 |
| Q1 2025 | $22.0M | $14.8M | $15.8M | $7.1M | $87K | 1.57% | 3.84% | 1.45% | 1,336 |
| Q4 2024 | $21.6M | $14.5M | $15.6M | $7.0M | $220K | 1.02% | 3.95% | 1.32% | 1,337 |
| Q3 2024 | $21.5M | $14.4M | $16.0M | $7.1M | $247K | 1.53% | 3.89% | 0.64% | 1,352 |
| Q2 2024 | $22.0M | $15.0M | $15.2M | $7.0M | $157K | 1.43% | 3.73% | 0.43% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.46% | 0.60% | 84th | |
Return on equity Annualized net income ÷ equity or net worth | 4.5% | 4.1% | 54th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.10% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,357 |
Loan mix (Q1 2026): real estate $35K · commercial $0 · consumer $11.7M · securities $6.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.6% | 81.5% | 22th |
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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