| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.3% | +1.3% | -1.0 pts |
| Share growth (YoY) | -2.1% | +0.7% | -2.8 pts |
| Loan growth (YoY) | -1.7% | -2.4% | +0.7 pts |
| ROA | 2.01% | 0.60% | +1.4 pts |
| ROE | 13.1% | 4.1% | +9.0 pts |
ROA ranks in the 94th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $6.1M | $5.1M | $4.0M | $934K | $30K | 2.01% | 6.24% | 1.11% | 1,239 |
| Q4 2025 | $5.8M | $4.9M | $4.0M | $903K | $115K | 1.99% | 6.70% | 1.43% | 1,229 |
| Q3 2025 | $5.9M | $5.0M | $4.0M | $902K | $114K | 2.58% | 6.60% | 0.94% | 1,226 |
| Q2 2025 | $6.0M | $5.1M | $4.0M | $867K | $79K | 2.61% | 6.37% | 0.98% | 1,218 |
| Q1 2025 | $6.1M | $5.2M | $4.1M | $824K | $36K | 2.37% | 6.23% | 0.35% | 1,211 |
| Q4 2024 | $5.9M | $5.1M | $4.1M | $788K | $118K | 1.99% | 5.57% | 1.57% | 1,378 |
| Q3 2024 | $6.0M | $5.2M | $4.1M | $756K | $85K | 1.90% | 5.34% | 1.25% | 1,362 |
| Q2 2024 | $6.0M | $5.2M | $4.1M | $723K | $53K | 1.78% | 5.21% | 1.05% | 1,348 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.01% | 0.60% | 94th | |
Return on equity Annualized net income ÷ equity or net worth | 13.1% | 4.1% | 93th | |
Net interest margin Interest income − interest expense, ÷ assets | 6.24% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $4.0M · securities $1.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.8% | 81.5% | 18th |
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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