| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.2% | +3.9% | +2.3 pts |
| Share growth (YoY) | +6.1% | +3.3% | +2.8 pts |
| Loan growth (YoY) | -6.5% | +2.9% | -9.5 pts |
| ROA | 0.31% | 0.69% | -0.4 pts |
| ROE | 3.1% | 5.9% | -2.9 pts |
ROA ranks in the 23rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $127.1M | $114.0M | $26.7M | $12.8M | $98K | 0.31% | 2.46% | 0.08% | 6,019 |
| Q4 2025 | $122.2M | $109.1M | $27.7M | $12.7M | $874K | 0.72% | 2.97% | 0.06% | 6,119 |
| Q3 2025 | $120.5M | $107.8M | $28.8M | $12.3M | $497K | 0.55% | 2.88% | 0.29% | 6,166 |
| Q2 2025 | $120.7M | $108.5M | $28.9M | $12.0M | $231K | 0.38% | 2.70% | 0.05% | 6,184 |
| Q1 2025 | $119.7M | $107.4M | $28.6M | $11.8M | $-98K | -0.33% | 2.12% | 0.08% | 6,230 |
| Q4 2024 | $113.2M | $101.2M | $28.4M | $11.8M | $1.3M | 1.14% | 3.48% | 0.08% | 6,247 |
| Q3 2024 | $111.6M | $99.7M | $29.5M | $11.6M | $1.1M | 1.30% | 3.57% | 0.55% | 6,317 |
| Q2 2024 | $111.9M | $100.6M | $29.9M | $11.2M | $729K | 1.30% | 3.56% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.31% | 0.69% | 23th | |
Return on equity Annualized net income ÷ equity or net worth | 3.1% | 5.9% | 26th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.46% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.15% |
| 6,366 |
Loan mix (Q1 2026): real estate $9.1M · commercial $0 · consumer $14.6M · securities $79.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 88.9% | 78.7% | 82th |
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.