| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.1% | +1.3% | -4.5 pts |
| Share growth (YoY) | -5.5% | +0.7% | -6.1 pts |
| Loan growth (YoY) | -7.1% | -2.4% | -4.7 pts |
| ROA | 1.88% | 0.60% | +1.3 pts |
| ROE | 14.0% | 4.1% | +9.9 pts |
ROA ranks in the 92nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $11.7M | $9.7M | $8.9M | $1.6M | $55K | 1.88% | 6.75% | 20.48% | 4,322 |
| Q4 2025 | $12.4M | $10.5M | $9.3M | $1.2M | $287K | 2.32% | 5.72% | 23.48% | 4,264 |
| Q3 2025 | $12.1M | $10.7M | $10.4M | $1.4M | $264K | 2.90% | 5.00% | 5.52% | 3,983 |
| Q2 2025 | $12.4M | $10.4M | $9.6M | $1.4M | $406K | 6.56% | 9.92% | 12.71% | 4,317 |
| Q1 2025 | $12.1M | $10.3M | $9.6M | $1.2M | $112K | 3.72% | 6.37% | 12.75% | 4,115 |
| Q4 2024 | $12.0M | $10.3M | $10.1M | $747K | $376K | 3.12% | 6.40% | 15.85% | 4,050 |
| Q3 2024 | $12.1M | $10.7M | $10.4M | $1.4M | $264K | 2.90% | 5.00% | 5.52% | 3,983 |
| Q2 2024 | $12.3M | $11.0M | $10.4M | $1.3M | $181K | 2.95% | 5.82% | 4.50% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.88% | 0.60% | 92th | |
Return on equity Annualized net income ÷ equity or net worth | 14.0% | 4.1% | 95th | |
Net interest margin Interest income − interest expense, ÷ assets | 6.75% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,892 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $7.5M · securities $0
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 60.9% | 81.5% | 13th |
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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