| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.3% | +1.3% | +0.0 pts |
| Share growth (YoY) | -2.6% | +0.7% | -3.3 pts |
| Loan growth (YoY) | -11.5% | -2.4% | -9.1 pts |
| ROA | 1.98% | 0.60% | +1.4 pts |
| ROE | 11.8% | 4.1% | +7.7 pts |
ROA ranks in the 93rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $24.4M | $20.0M | $6.5M | $4.1M | $121K | 1.98% | 5.36% | 2.37% | 2,982 |
| Q4 2025 | $23.9M | $19.9M | $6.9M | $4.0M | $840K | 3.52% | 5.75% | 2.31% | 3,012 |
| Q3 2025 | $24.3M | $20.3M | $7.2M | $3.8M | $710K | 3.90% | 5.58% | 2.55% | 2,975 |
| Q2 2025 | $24.5M | $20.8M | $7.4M | $3.7M | $555K | 4.53% | 5.41% | 1.79% | 2,936 |
| Q1 2025 | $24.0M | $20.5M | $7.3M | $3.5M | $357K | 5.95% | 5.37% | 0.90% | 2,929 |
| Q4 2024 | $22.6M | $19.5M | $7.7M | $3.1M | $487K | 2.15% | 5.08% | 1.48% | 2,897 |
| Q3 2024 | $22.7M | $19.7M | $7.5M | $3.0M | $327K | 1.92% | 4.84% | 1.92% | 2,907 |
| Q2 2024 | $21.2M | $19.6M | $7.3M | $2.8M | $172K | 1.62% | 4.99% | 0.63% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.98% | 0.60% | 93th | |
Return on equity Annualized net income ÷ equity or net worth | 11.8% | 4.1% | 91th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.36% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,888 |
Loan mix (Q1 2026): real estate $21K · commercial $0 · consumer $5.9M · securities $14.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.0% | 81.5% | 21th |
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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