| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.2% | +1.3% | +6.9 pts |
| Share growth (YoY) | +8.1% | +0.7% | +7.4 pts |
| Loan growth (YoY) | -10.3% | -2.4% | -7.9 pts |
| ROA | 0.59% | 0.60% | -0.0 pts |
| ROE | 5.8% | 4.1% | +1.7 pts |
ROA ranks in the 49th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $45.9M | $41.1M | $16.8M | $4.7M | $68K | 0.59% | 2.98% | 0.00% | 3,280 |
| Q4 2025 | $44.3M | $39.6M | $17.6M | $4.7M | $404K | 0.91% | 3.20% | 0.10% | 3,350 |
| Q3 2025 | $43.0M | $38.5M | $18.1M | $4.5M | $258K | 0.80% | 3.26% | 0.15% | 3,393 |
| Q2 2025 | $42.3M | $37.8M | $18.4M | $4.4M | $163K | 0.77% | 3.31% | 0.00% | 3,431 |
| Q1 2025 | $42.4M | $38.1M | $18.7M | $4.3M | $63K | 0.59% | 3.27% | 0.06% | 3,462 |
| Q4 2024 | $41.8M | $37.5M | $18.9M | $4.3M | $444K | 1.06% | 3.35% | 0.09% | 3,473 |
| Q3 2024 | $39.1M | $34.9M | $19.7M | $4.1M | $310K | 1.06% | 3.55% | 0.26% | 3,532 |
| Q2 2024 | $40.0M | $35.8M | $20.5M | $4.1M | $225K | 1.12% | 3.49% | 0.04% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.59% | 0.60% | 49th | |
Return on equity Annualized net income ÷ equity or net worth | 5.8% | 4.1% | 62th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.98% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,601 |
Loan mix (Q1 2026): real estate $3.0M · commercial $0 · consumer $13.6M · securities $21.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.5% | 81.5% | 38th |
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.