| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.2% | +1.3% | +7.9 pts |
| Share growth (YoY) | +9.0% | +0.7% | +8.4 pts |
| Loan growth (YoY) | -0.8% | -2.4% | +1.6 pts |
| ROA | 1.26% | 0.60% | +0.7 pts |
| ROE | 7.0% | 4.1% | +2.9 pts |
ROA ranks in the 79th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $35.0M | $29.0M | $12.4M | $6.3M | $110K | 1.26% | 3.71% | 1.92% | 2,511 |
| Q4 2025 | $34.5M | $28.8M | $12.6M | $6.2M | $740K | 2.15% | 4.38% | 1.56% | 2,512 |
| Q3 2025 | $33.1M | $27.2M | $12.8M | $6.0M | $597K | 2.41% | 4.66% | 1.32% | 2,501 |
| Q2 2025 | $32.6M | $26.9M | $12.8M | $5.9M | $447K | 2.74% | 4.98% | 0.84% | 2,478 |
| Q1 2025 | $32.0M | $26.6M | $12.5M | $5.7M | $216K | 2.70% | 4.82% | 0.97% | 2,470 |
| Q4 2024 | $30.5M | $25.1M | $12.9M | $5.4M | $502K | 1.65% | 4.52% | 0.08% | 2,491 |
| Q3 2024 | $30.4M | $24.8M | $12.7M | $5.3M | $365K | 1.60% | 4.53% | 0.39% | 2,485 |
| Q2 2024 | $31.1M | $25.8M | $12.2M | $5.1M | $196K | 1.26% | 4.24% | 0.29% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.26% | 0.60% | 79th | |
Return on equity Annualized net income ÷ equity or net worth | 7.0% | 4.1% | 70th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.71% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,460 |
Loan mix (Q1 2026): real estate $3.0M · commercial $0 · consumer $9.1M · securities $10.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 68.6% | 81.5% | 23th |
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.