| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.7% | +1.3% | +3.4 pts |
| Share growth (YoY) | +5.8% | +0.7% | +5.1 pts |
| Loan growth (YoY) | +2.3% | -2.4% | +4.7 pts |
| ROA | 0.18% | 0.60% | -0.4 pts |
| ROE | 1.3% | 4.1% | -2.8 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 | $53.9M | $46.1M | $39.5M | $7.5M | $24K | 0.18% | 4.78% | 2.16% | 4,818 |
| Q4 2025 | $52.5M | $44.7M | $40.3M | $7.3M | $226K | 0.43% | 5.01% | 2.43% | 4,939 |
| Q3 2025 | $50.6M | $42.5M | $39.6M | $7.3M | $74K | 0.20% | 5.17% | 2.45% | 4,939 |
| Q2 2025 | $51.2M | $43.4M | $38.6M | $7.1M | $-127K | -0.49% | 4.99% | 2.30% | 5,038 |
| Q1 2025 | $51.5M | $43.6M | $38.6M | $7.0M | $-137K | -1.06% | 4.87% | 2.00% | 5,085 |
| Q4 2024 | $49.8M | $42.3M | $38.8M | $7.2M | $-470K | -0.94% | 4.78% | 1.50% | 5,088 |
| Q3 2024 | $51.2M | $43.5M | $38.2M | $7.4M | $-356K | -0.93% | 4.57% | 1.93% | 5,172 |
| Q2 2024 | $49.4M | $41.6M | $36.5M | $7.5M | $-218K | -0.88% | 4.79% | 1.77% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.18% | 0.60% | 29th | |
Return on equity Annualized net income ÷ equity or net worth | 1.3% | 4.1% | 30th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.78% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 5,169 |
Loan mix (Q1 2026): real estate $1.9M · commercial $0 · consumer $35.4M · securities $4.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 97.7% | 81.5% | 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% |
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