| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.5% | +1.3% | +3.2 pts |
| Share growth (YoY) | +3.1% | +0.7% | +2.4 pts |
| Loan growth (YoY) | -5.7% | -2.4% | -3.3 pts |
| ROA | 1.53% | 0.60% | +0.9 pts |
| ROE | 11.3% | 4.1% | +7.1 pts |
ROA ranks in the 86th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $22.5M | $19.3M | $13.7M | $3.1M | $86K | 1.53% | 4.30% | 1.47% | 2,831 |
| Q4 2025 | $22.3M | $19.2M | $14.1M | $3.0M | $306K | 1.37% | 4.23% | 0.46% | 2,817 |
| Q3 2025 | $22.1M | $19.1M | $14.3M | $2.9M | $211K | 1.27% | 4.22% | 0.10% | 2,786 |
| Q2 2025 | $21.5M | $18.6M | $14.5M | $2.8M | $128K | 1.19% | 4.19% | 1.19% | 2,750 |
| Q1 2025 | $21.6M | $18.7M | $14.6M | $2.7M | $60K | 1.11% | 4.12% | 0.39% | 2,721 |
| Q4 2024 | $22.2M | $19.4M | $14.8M | $2.7M | $188K | 0.85% | 4.00% | 0.30% | 2,712 |
| Q3 2024 | $22.0M | $19.2M | $15.1M | $2.7M | $166K | 1.00% | 3.95% | 2.08% | 2,688 |
| Q2 2024 | $22.2M | $19.4M | $15.1M | $2.6M | $116K | 1.05% | 3.86% | 3.33% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.53% | 0.60% | 86th | |
Return on equity Annualized net income ÷ equity or net worth | 11.3% | 4.1% | 89th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.30% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,665 |
Loan mix (Q1 2026): real estate $4.4M · commercial $161K · consumer $8.2M · securities $5.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.3% | 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% |
The full ratio pack is part of CharterBench Pro.