| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.3% | +1.3% | +1.0 pts |
| Share growth (YoY) | +2.3% | +0.7% | +1.6 pts |
| Loan growth (YoY) | +17.4% | -2.4% | +19.7 pts |
| ROA | 0.19% | 0.60% | -0.4 pts |
| ROE | 2.3% | 4.1% | -1.8 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 | $54.3M | $49.5M | $18.6M | $4.6M | $26K | 0.19% | 3.34% | 0.32% | 3,142 |
| Q4 2025 | $53.2M | $48.3M | $18.7M | $4.6M | $86K | 0.16% | 3.20% | 0.25% | 3,189 |
| Q3 2025 | $52.3M | $47.5M | $17.8M | $4.6M | $37K | 0.09% | 3.21% | 0.39% | 3,236 |
| Q2 2025 | $53.5M | $48.8M | $15.5M | $4.6M | $21K | 0.08% | 3.10% | 0.26% | 3,291 |
| Q1 2025 | $53.1M | $48.4M | $15.8M | $4.6M | $7K | 0.05% | 3.13% | 0.46% | 3,349 |
| Q4 2024 | $54.2M | $49.5M | $16.4M | $4.6M | $90K | 0.17% | 3.13% | 0.37% | 3,395 |
| Q3 2024 | $53.6M | $48.9M | $16.5M | $4.6M | $94K | 0.23% | 3.14% | 0.31% | 3,439 |
| Q2 2024 | $54.1M | $49.5M | $17.9M | $4.6M | $56K | 0.21% | 3.09% | 0.98% |
| 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 | 2.3% | 4.1% | 36th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.34% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,479 |
Loan mix (Q1 2026): real estate $8.6M · commercial $0 · consumer $9.4M · securities $29.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 92.3% | 81.5% | 73th |
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.