| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.8% | +1.3% | +3.5 pts |
| Share growth (YoY) | +4.0% | +0.7% | +3.3 pts |
| Loan growth (YoY) | -6.0% | -2.4% | -3.7 pts |
| ROA | 0.38% | 0.60% | -0.2 pts |
| ROE | 2.1% | 4.1% | -2.0 pts |
ROA ranks in the 39th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $38.7M | $31.5M | $14.9M | $7.1M | $37K | 0.38% | 4.05% | 0.42% | 2,306 |
| Q4 2025 | $38.4M | $31.3M | $15.6M | $7.1M | $412K | 1.07% | 4.08% | 0.52% | 2,319 |
| Q3 2025 | $37.1M | $30.2M | $15.4M | $7.0M | $373K | 1.34% | 4.21% | 0.08% | 2,328 |
| Q2 2025 | $37.8M | $30.9M | $15.9M | $6.9M | $276K | 1.46% | 4.05% | 0.39% | 2,325 |
| Q1 2025 | $36.9M | $30.3M | $15.8M | $6.8M | $144K | 1.56% | 3.97% | 0.43% | 2,385 |
| Q4 2024 | $35.2M | $28.6M | $16.7M | $6.7M | $462K | 1.32% | 4.14% | 0.19% | 2,399 |
| Q3 2024 | $35.3M | $28.8M | $16.9M | $6.5M | $320K | 1.21% | 4.07% | 0.42% | 2,388 |
| Q2 2024 | $35.9M | $29.4M | $17.3M | $6.4M | $176K | 0.98% | 3.89% | 0.68% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.38% | 0.60% | 39th | |
Return on equity Annualized net income ÷ equity or net worth | 2.1% | 4.1% | 35th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.05% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,380 |
Loan mix (Q1 2026): real estate $921K · commercial $0 · consumer $11.5M · securities $15.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 89.4% | 81.5% | 68th |
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.