| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.3% | +1.3% | -0.0 pts |
| Share growth (YoY) | +0.1% | +0.7% | -0.5 pts |
| Loan growth (YoY) | -10.7% | -2.4% | -8.3 pts |
| ROA | 0.78% | 0.60% | +0.2 pts |
| ROE | 6.4% | 4.1% | +2.3 pts |
ROA ranks in the 59th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $12.9M | $11.3M | $6.7M | $1.6M | $25K | 0.78% | 4.25% | 0.82% | 1,341 |
| Q4 2025 | $12.4M | $10.8M | $7.1M | $1.5M | $167K | 1.35% | 4.83% | 0.98% | 1,353 |
| Q3 2025 | $11.9M | $10.5M | $7.5M | $1.5M | $142K | 1.59% | 5.07% | 0.68% | 1,367 |
| Q2 2025 | $12.7M | $11.2M | $7.6M | $1.5M | $94K | 1.49% | 4.66% | 0.13% | 1,383 |
| Q1 2025 | $12.7M | $11.3M | $7.5M | $1.4M | $49K | 1.53% | 4.59% | 0.13% | 1,401 |
| Q4 2024 | $12.3M | $11.0M | $7.8M | $1.4M | $130K | 1.06% | 4.76% | 0.31% | 1,412 |
| Q3 2024 | $11.1M | $9.7M | $8.1M | $1.3M | $106K | 1.27% | 5.25% | 0.36% | 1,427 |
| Q2 2024 | $12.1M | $10.8M | $8.4M | $1.3M | $63K | 1.03% | 4.64% | 0.27% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.78% | 0.60% | 59th | |
Return on equity Annualized net income ÷ equity or net worth | 6.4% | 4.1% | 67th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.25% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,431 |
Loan mix (Q1 2026): real estate $2.8M · commercial $0 · consumer $3.8M · securities $3.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.3% | 81.5% | 54th |
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.