| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.1% | +1.3% | +1.8 pts |
| Share growth (YoY) | +3.3% | +0.7% | +2.7 pts |
| Loan growth (YoY) | -12.3% | -2.4% | -10.0 pts |
| ROA | 0.97% | 0.60% | +0.4 pts |
| ROE | 4.5% | 4.1% | +0.4 pts |
ROA ranks in the 68th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $9.3M | $7.2M | $4.7M | $2.0M | $23K | 0.97% | 3.97% | 0.00% | 863 |
| Q4 2025 | $8.8M | $6.8M | $5.0M | $2.0M | $102K | 1.16% | 4.15% | 0.00% | 866 |
| Q3 2025 | $9.0M | $7.0M | $5.2M | $2.0M | $82K | 1.22% | 4.01% | 0.00% | 875 |
| Q2 2025 | $9.2M | $7.2M | $5.3M | $2.0M | $52K | 1.14% | 3.84% | 0.00% | 880 |
| Q1 2025 | $9.0M | $7.0M | $5.4M | $2.0M | $25K | 1.10% | 3.86% | 1.94% | 885 |
| Q4 2024 | $8.9M | $6.9M | $5.7M | $1.9M | $117K | 1.32% | 3.71% | 1.07% | 902 |
| Q3 2024 | $9.2M | $7.2M | $5.6M | $1.9M | $87K | 1.26% | 3.55% | 2.00% | 906 |
| Q2 2024 | $9.5M | $7.6M | $5.5M | $1.9M | $56K | 1.18% | 3.33% | 0.02% | 906 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.97% | 0.60% | 68th | |
Return on equity Annualized net income ÷ equity or net worth | 4.5% | 4.1% | 53th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.97% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $16K · commercial $411K · consumer $3.7M · securities $2.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.9% | 81.5% | 46th |
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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