| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.1% | +1.3% | +1.8 pts |
| Share growth (YoY) | +2.6% | +0.7% | +1.9 pts |
| Loan growth (YoY) | -16.7% | -2.4% | -14.4 pts |
| ROA | 0.86% | 0.60% | +0.3 pts |
| ROE | 7.8% | 4.1% | +3.7 pts |
ROA ranks in the 63rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $34.6M | $30.8M | $8.2M | $3.8M | $74K | 0.86% | 3.76% | 0.08% | 1,914 |
| Q4 2025 | $33.9M | $30.2M | $8.3M | $3.7M | $308K | 0.91% | 3.81% | 0.00% | 2,087 |
| Q3 2025 | $34.7M | $30.9M | $8.3M | $3.7M | $280K | 1.08% | 3.71% | 0.00% | 2,092 |
| Q2 2025 | $34.0M | $30.3M | $8.8M | $3.6M | $186K | 1.09% | 3.81% | 0.05% | 2,128 |
| Q1 2025 | $33.6M | $30.0M | $9.9M | $3.5M | $104K | 1.24% | 3.88% | 0.09% | 2,152 |
| Q4 2024 | $32.1M | $28.7M | $9.7M | $3.4M | $437K | 1.36% | 3.89% | 0.18% | 2,162 |
| Q3 2024 | $32.6M | $29.2M | $8.7M | $3.3M | $318K | 1.30% | 3.80% | 0.24% | 2,159 |
| Q2 2024 | $32.2M | $28.9M | $8.8M | $3.1M | $213K | 1.32% | 3.76% | 0.04% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.86% | 0.60% | 63th | |
Return on equity Annualized net income ÷ equity or net worth | 7.8% | 4.1% | 75th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.76% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,177 |
Loan mix (Q1 2026): real estate $4.8M · commercial $1.4M · consumer $1.6M · securities $22.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.3% | 81.5% | 38th |
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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