| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.0% | +1.3% | +7.7 pts |
| Share growth (YoY) | +10.6% | +0.7% | +9.9 pts |
| Loan growth (YoY) | -1.6% | -2.4% | +0.8 pts |
| ROA | 0.19% | 0.60% | -0.4 pts |
| ROE | 0.9% | 4.1% | -3.2 pts |
ROA ranks in the 29th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $10.5M | $8.3M | $6.5M | $2.2M | $5K | 0.19% | 4.42% | 0.55% | 1,044 |
| Q4 2025 | $10.4M | $8.2M | $6.5M | $2.2M | $75K | 0.72% | 4.60% | 0.00% | 1,078 |
| Q3 2025 | $9.8M | $7.6M | $6.4M | $2.2M | $76K | 1.03% | 4.63% | 0.00% | 1,085 |
| Q2 2025 | $10.0M | $7.7M | $6.4M | $2.2M | $37K | 0.75% | 4.38% | 0.21% | 1,068 |
| Q1 2025 | $9.7M | $7.5M | $6.6M | $2.1M | $-12K | -0.51% | 3.80% | 0.00% | 1,094 |
| Q4 2024 | $9.6M | $7.4M | $6.6M | $2.1M | $55K | 0.57% | 4.18% | 0.00% | 1,077 |
| Q3 2024 | $9.3M | $7.2M | $6.4M | $2.1M | $47K | 0.68% | 4.23% | 0.20% | 924 |
| Q2 2024 | $9.1M | $7.0M | $6.5M | $2.1M | $18K | 0.39% | 4.16% | 0.21% | 1,040 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.19% | 0.60% | 29th | |
Return on equity Annualized net income ÷ equity or net worth | 0.9% | 4.1% | 27th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.42% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $5.5M · securities $2.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 95.9% | 81.5% | 80th |
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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