| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +20.0% | +1.3% | +18.7 pts |
| Share growth (YoY) | +20.8% | +0.7% | +20.1 pts |
| Loan growth (YoY) | -4.2% | -2.4% | -1.9 pts |
| ROA | 0.44% | 0.60% | -0.2 pts |
| ROE | 4.6% | 4.1% | +0.5 pts |
ROA ranks in the 42nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $37.6M | $33.7M | $15.7M | $3.6M | $42K | 0.44% | 3.72% | 0.69% | 3,377 |
| Q4 2025 | $34.2M | $30.5M | $16.0M | $3.5M | $340K | 0.99% | 4.16% | 0.81% | 3,364 |
| Q3 2025 | $33.4M | $29.7M | $16.0M | $3.4M | $268K | 1.07% | 4.24% | 0.17% | 3,401 |
| Q2 2025 | $32.2M | $28.7M | $16.2M | $3.3M | $134K | 0.84% | 4.30% | 0.45% | 3,429 |
| Q1 2025 | $31.3M | $27.9M | $16.4M | $3.2M | $60K | 0.77% | 4.33% | 0.55% | 3,435 |
| Q4 2024 | $30.3M | $26.9M | $17.0M | $3.2M | $369K | 1.22% | 4.63% | 0.54% | 3,435 |
| Q3 2024 | $29.4M | $26.1M | $17.7M | $3.1M | $277K | 1.26% | 4.74% | 0.76% | 3,434 |
| Q2 2024 | $29.1M | $25.9M | $18.0M | $3.0M | $192K | 1.32% | 4.72% | 0.66% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.44% | 0.60% | 42th | |
Return on equity Annualized net income ÷ equity or net worth | 4.6% | 4.1% | 54th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.72% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,431 |
Loan mix (Q1 2026): real estate $1.6M · commercial $0 · consumer $13.1M · securities $4.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 85.4% | 81.5% | 59th |
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.