| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.1% | +1.3% | +0.8 pts |
| Share growth (YoY) | +2.1% | +0.7% | +1.4 pts |
| Loan growth (YoY) | +1.1% | -2.4% | +3.4 pts |
| ROA | 0.81% | 0.60% | +0.2 pts |
| ROE | 7.5% | 4.1% | +3.4 pts |
ROA ranks in the 60th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $62.0M | $55.6M | $40.0M | $6.7M | $126K | 0.81% | 3.54% | 0.78% | 6,719 |
| Q4 2025 | $59.8M | $54.0M | $40.8M | $6.6M | $163K | 0.27% | 3.67% | 1.20% | 6,724 |
| Q3 2025 | $58.8M | $52.5M | $41.8M | $6.5M | $71K | 0.16% | 3.70% | 0.91% | 6,770 |
| Q2 2025 | $60.2M | $54.0M | $41.9M | $6.4M | $-42K | -0.14% | 3.54% | 0.82% | 6,726 |
| Q1 2025 | $60.8M | $54.4M | $39.6M | $6.4M | $-78K | -0.51% | 3.39% | 0.50% | 6,663 |
| Q4 2024 | $57.8M | $51.3M | $39.8M | $6.4M | $-145K | -0.25% | 3.19% | 1.33% | 6,629 |
| Q3 2024 | $57.8M | $51.4M | $40.3M | $6.5M | $-75K | -0.17% | 3.15% | 0.92% | 6,631 |
| Q2 2024 | $57.8M | $51.3M | $40.7M | $6.6M | $-33K | -0.11% | 3.08% | 1.11% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.81% | 0.60% | 60th | |
Return on equity Annualized net income ÷ equity or net worth | 7.5% | 4.1% | 73th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.54% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 6,500 |
Loan mix (Q1 2026): real estate $12.4M · commercial $0 · consumer $24.8M · securities $10.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.8% | 81.5% | 45th |
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.