| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.7% | +1.3% | +0.4 pts |
| Share growth (YoY) | +0.7% | +0.7% | +0.0 pts |
| Loan growth (YoY) | +4.0% | -2.4% | +6.3 pts |
| ROA | 1.17% | 0.60% | +0.6 pts |
| ROE | 12.0% | 4.1% | +7.9 pts |
ROA ranks in the 75th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $94.6M | $85.3M | $51.4M | $9.2M | $278K | 1.17% | 4.41% | 0.02% | 6,246 |
| Q4 2025 | $93.8M | $84.5M | $52.1M | $8.9M | $604K | 0.64% | 4.20% | 0.96% | 6,542 |
| Q3 2025 | $91.4M | $82.1M | $52.3M | $8.8M | $465K | 0.68% | 4.24% | 1.03% | 6,625 |
| Q2 2025 | $93.1M | $84.6M | $50.9M | $8.6M | $272K | 0.59% | 4.06% | 0.98% | 6,695 |
| Q1 2025 | $93.0M | $84.7M | $49.5M | $8.4M | $92K | 0.40% | 3.94% | 0.01% | 6,824 |
| Q4 2024 | $91.1M | $82.8M | $46.8M | $8.4M | $76K | 0.08% | 3.74% | 0.43% | 6,950 |
| Q3 2024 | $92.6M | $84.4M | $47.0M | $8.3M | $64K | 0.09% | 3.62% | 0.03% | 7,051 |
| Q2 2024 | $95.0M | $87.0M | $45.8M | $8.3M | $31K | 0.07% | 3.42% | 1.15% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.17% | 0.60% | 75th | |
Return on equity Annualized net income ÷ equity or net worth | 12.0% | 4.1% | 91th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.41% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 7,130 |
Loan mix (Q1 2026): real estate $36.8M · commercial $12.0M · consumer $2.3M · securities $27.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.5% | 81.5% | 42th |
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.