| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.1% | +1.3% | +0.8 pts |
| Share growth (YoY) | -0.2% | +0.7% | -0.9 pts |
| Loan growth (YoY) | -10.7% | -2.4% | -8.4 pts |
| ROA | 1.74% | 0.60% | +1.1 pts |
| ROE | 10.7% | 4.1% | +6.6 pts |
ROA ranks in the 90th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $32.1M | $26.9M | $12.2M | $5.2M | $140K | 1.74% | 3.71% | 0.00% | 1,845 |
| Q4 2025 | $31.2M | $26.1M | $12.6M | $5.1M | $786K | 2.52% | 4.11% | 0.00% | 1,867 |
| Q3 2025 | $30.9M | $26.0M | $13.3M | $4.9M | $621K | 2.68% | 4.19% | 0.00% | 1,877 |
| Q2 2025 | $31.4M | $26.7M | $13.5M | $4.7M | $389K | 2.48% | 4.13% | 0.00% | 1,890 |
| Q1 2025 | $31.5M | $26.9M | $13.6M | $4.5M | $191K | 2.42% | 4.14% | 0.00% | 1,896 |
| Q4 2024 | $30.9M | $26.6M | $14.2M | $4.3M | $841K | 2.72% | 4.21% | 0.00% | 1,917 |
| Q3 2024 | $30.3M | $26.2M | $14.5M | $4.1M | $619K | 2.72% | 4.25% | 0.01% | 1,925 |
| Q2 2024 | $29.5M | $25.6M | $14.5M | $3.8M | $410K | 2.78% | 4.25% | 0.01% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.74% | 0.60% | 90th | |
Return on equity Annualized net income ÷ equity or net worth | 10.7% | 4.1% | 87th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.71% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,932 |
Loan mix (Q1 2026): real estate $972K · commercial $0 · consumer $9.9M · securities $13.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 44.0% | 81.5% | 3th |
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.