| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.3% | +1.3% | +3.0 pts |
| Share growth (YoY) | +4.2% | +0.7% | +3.5 pts |
| Loan growth (YoY) | -6.7% | -2.4% | -4.4 pts |
| ROA | 0.87% | 0.60% | +0.3 pts |
| ROE | 7.3% | 4.1% | +3.2 pts |
ROA ranks in the 63rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $41.9M | $36.5M | $12.1M | $5.0M | $91K | 0.87% | 4.20% | 0.66% | 2,950 |
| Q4 2025 | $41.3M | $36.1M | $12.5M | $4.9M | $422K | 1.02% | 4.42% | 0.50% | 3,913 |
| Q3 2025 | $40.3M | $35.1M | $12.8M | $4.8M | $298K | 0.99% | 4.56% | 0.52% | 3,053 |
| Q2 2025 | $40.3M | $35.0M | $12.9M | $4.8M | $226K | 1.12% | 4.53% | 0.72% | 4,019 |
| Q1 2025 | $40.2M | $35.1M | $13.0M | $4.6M | $77K | 0.77% | 4.53% | 0.93% | 3,182 |
| Q4 2024 | $40.6M | $35.5M | $12.9M | $4.5M | $471K | 1.16% | 4.74% | 1.17% | 3,232 |
| Q3 2024 | $40.3M | $35.5M | $13.0M | $4.5M | $418K | 1.38% | 4.79% | 1.60% | 3,260 |
| Q2 2024 | $40.4M | $35.6M | $13.6M | $4.4M | $304K | 1.50% | 4.78% | 2.21% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.87% | 0.60% | 63th | |
Return on equity Annualized net income ÷ equity or net worth | 7.3% | 4.1% | 72th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.20% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,516 |
Loan mix (Q1 2026): real estate $5.9M · commercial $0 · consumer $4.8M · securities $24.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 95.9% | 81.5% | 80th |
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.