| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.5% | +1.3% | +5.2 pts |
| Share growth (YoY) | +6.4% | +0.7% | +5.7 pts |
| Loan growth (YoY) | -3.8% | -2.4% | -1.4 pts |
| ROA | 0.53% | 0.60% | -0.1 pts |
| ROE | 5.8% | 4.1% | +1.7 pts |
ROA ranks in the 46th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $16.7M | $15.1M | $9.8M | $1.5M | $22K | 0.53% | 4.38% | 0.13% | 1,414 |
| Q4 2025 | $16.6M | $15.0M | $9.7M | $1.5M | $108K | 0.65% | 4.43% | 0.14% | 1,425 |
| Q3 2025 | $16.4M | $14.9M | $10.0M | $1.5M | $94K | 0.76% | 4.43% | 0.38% | 1,738 |
| Q2 2025 | $15.5M | $14.0M | $10.3M | $1.5M | $71K | 0.92% | 4.58% | 0.12% | 1,745 |
| Q1 2025 | $15.7M | $14.2M | $10.2M | $1.4M | $27K | 0.68% | 4.40% | 0.16% | 1,473 |
| Q4 2024 | $14.7M | $13.3M | $10.5M | $1.4M | $75K | 0.51% | 4.62% | 0.93% | 1,487 |
| Q3 2024 | $14.6M | $13.2M | $10.8M | $1.4M | $66K | 0.60% | 4.54% | 0.31% | 1,495 |
| Q2 2024 | $14.7M | $13.4M | $10.6M | $1.3M | $40K | 0.55% | 4.38% | 0.79% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.53% | 0.60% | 46th | |
Return on equity Annualized net income ÷ equity or net worth | 5.8% | 4.1% | 63th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.38% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,505 |
Loan mix (Q1 2026): real estate $0 · commercial $110K · consumer $9.0M · securities $3.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 89.2% | 81.5% | 67th |
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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