| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.7% | +1.3% | +2.4 pts |
| Share growth (YoY) | +2.2% | +0.7% | +1.5 pts |
| Loan growth (YoY) | -1.2% | -2.4% | +1.2 pts |
| ROA | 0.44% | 0.60% | -0.2 pts |
| ROE | 5.2% | 4.1% | +1.1 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 | $46.5M | $41.8M | $17.2M | $3.9M | $51K | 0.44% | 4.12% | 1.10% | 4,513 |
| Q4 2025 | $45.8M | $40.8M | $17.7M | $3.9M | $424K | 0.92% | 3.95% | 1.17% | 4,536 |
| Q3 2025 | $44.7M | $40.0M | $17.8M | $3.7M | $307K | 0.92% | 3.98% | 0.69% | 4,595 |
| Q2 2025 | $44.5M | $40.4M | $17.5M | $3.6M | $116K | 0.52% | 3.93% | 0.52% | 4,611 |
| Q1 2025 | $44.9M | $40.9M | $17.4M | $3.5M | $45K | 0.40% | 3.80% | 0.14% | 4,614 |
| Q4 2024 | $43.5M | $39.5M | $18.0M | $3.4M | $172K | 0.40% | 3.69% | 0.29% | 4,638 |
| Q3 2024 | $42.6M | $38.7M | $17.9M | $3.4M | $149K | 0.47% | 3.70% | 0.21% | 4,676 |
| Q2 2024 | $43.0M | $39.4M | $17.0M | $3.3M | $12K | 0.06% | 3.60% | 0.36% |
| 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 | 5.2% | 4.1% | 58th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.12% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 4,686 |
Loan mix (Q1 2026): real estate $1.3M · commercial $0 · consumer $15.6M · securities $20.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 88.0% | 81.5% | 65th |
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.