| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.0% | +1.3% | -0.3 pts |
| Share growth (YoY) | -0.5% | +0.7% | -1.1 pts |
| Loan growth (YoY) | +4.2% | -2.4% | +6.6 pts |
| ROA | 0.55% | 0.60% | -0.1 pts |
| ROE | 2.7% | 4.1% | -1.4 pts |
ROA ranks in the 47th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $39.5M | $31.2M | $14.4M | $8.0M | $54K | 0.55% | 4.60% | 0.87% | 2,492 |
| Q4 2025 | $38.9M | $30.5M | $14.9M | $8.0M | $642K | 1.65% | 5.02% | 1.84% | 2,511 |
| Q3 2025 | $39.1M | $30.5M | $14.5M | $7.9M | $545K | 1.86% | 5.03% | 0.92% | 2,520 |
| Q2 2025 | $40.2M | $32.3M | $14.3M | $7.7M | $370K | 1.84% | 4.87% | 0.39% | 2,547 |
| Q1 2025 | $39.1M | $31.3M | $13.9M | $7.5M | $177K | 1.81% | 4.97% | 0.95% | 2,562 |
| Q4 2024 | $38.7M | $31.3M | $14.3M | $7.3M | $694K | 1.79% | 4.71% | 1.24% | 2,578 |
| Q3 2024 | $38.4M | $31.1M | $14.3M | $7.2M | $511K | 1.77% | 4.63% | 0.75% | 2,594 |
| Q2 2024 | $38.6M | $31.4M | $13.8M | $7.0M | $315K | 1.63% | 4.48% | 0.50% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.55% | 0.60% | 47th | |
Return on equity Annualized net income ÷ equity or net worth | 2.7% | 4.1% | 40th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.60% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,602 |
Loan mix (Q1 2026): real estate $3.1M · commercial $0 · consumer $11.4M · securities $20.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.9% | 81.5% | 43th |
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.