| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.1% | +1.3% | +0.8 pts |
| Share growth (YoY) | +1.9% | +0.7% | +1.3 pts |
| Loan growth (YoY) | +0.3% | -2.4% | +2.6 pts |
| ROA | 0.77% | 0.60% | +0.2 pts |
| ROE | 4.5% | 4.1% | +0.4 pts |
ROA ranks in the 59th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $68.3M | $56.6M | $26.2M | $11.6M | $131K | 0.77% | 3.01% | 2.48% | 4,472 |
| Q4 2025 | $67.8M | $56.4M | $26.1M | $11.5M | $114K | 0.17% | 2.82% | 3.62% | 4,537 |
| Q3 2025 | $68.8M | $57.3M | $26.0M | $11.6M | $230K | 0.45% | 2.69% | 4.27% | 4,743 |
| Q2 2025 | $68.1M | $56.7M | $25.6M | $11.5M | $113K | 0.33% | 2.63% | 3.84% | 4,542 |
| Q1 2025 | $66.9M | $55.6M | $26.2M | $11.4M | $24K | 0.14% | 2.46% | 3.31% | 4,628 |
| Q4 2024 | $64.7M | $53.4M | $26.9M | $11.4M | $271K | 0.42% | 2.68% | 4.58% | 4,657 |
| Q3 2024 | $65.3M | $54.0M | $27.3M | $11.4M | $218K | 0.45% | 2.59% | 4.18% | 4,674 |
| Q2 2024 | $66.0M | $54.9M | $28.0M | $11.3M | $104K | 0.32% | 2.48% | 3.29% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.77% | 0.60% | 59th | |
Return on equity Annualized net income ÷ equity or net worth | 4.5% | 4.1% | 53th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.01% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 4,682 |
Loan mix (Q1 2026): real estate $13.3M · commercial $0 · consumer $12.1M · securities $29.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.5% | 81.5% | 26th |
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.