| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.4% | +1.3% | +4.1 pts |
| Share growth (YoY) | +10.3% | +0.7% | +9.6 pts |
| Loan growth (YoY) | +3.9% | -2.4% | +6.2 pts |
| ROA | 0.83% | 0.60% | +0.2 pts |
| ROE | 3.1% | 4.1% | -1.0 pts |
ROA ranks in the 61st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $16.8M | $12.1M | $4.3M | $4.5M | $35K | 0.83% | 3.07% | 25.54% | 3,820 |
| Q4 2025 | $16.6M | $11.8M | $4.4M | $4.5M | $-53K | -0.32% | 3.25% | 28.50% | 3,746 |
| Q3 2025 | $16.6M | $11.8M | $4.5M | $4.2M | $80K | 0.64% | 2.93% | 25.29% | 3,697 |
| Q2 2025 | $16.7M | $11.9M | $4.3M | $4.5M | $56K | 0.66% | 2.72% | 27.47% | 3,682 |
| Q1 2025 | $15.9M | $10.9M | $4.2M | $4.7M | $34K | 0.85% | 2.71% | 23.81% | 3,655 |
| Q4 2024 | $15.0M | $10.2M | $4.1M | $4.9M | $61K | 0.41% | 3.92% | 22.84% | 3,578 |
| Q3 2024 | $15.3M | $10.5M | $4.1M | $4.9M | $84K | 0.73% | 3.91% | 20.19% | 3,666 |
| Q2 2024 | $14.7M | $9.8M | $4.0M | $4.8M | $16K | 0.22% | 3.81% | 23.32% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.83% | 0.60% | 61th | |
Return on equity Annualized net income ÷ equity or net worth | 3.1% | 4.1% | 43th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.07% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,625 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $3.4M · securities $1.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 84.2% | 81.5% | 56th |
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.