| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.5% | +1.3% | +10.2 pts |
| Share growth (YoY) | +13.7% | +0.7% | +13.1 pts |
| Loan growth (YoY) | +2.3% | -2.4% | +4.7 pts |
| ROA | 0.49% | 0.60% | -0.1 pts |
| ROE | 2.7% | 4.1% | -1.4 pts |
ROA ranks in the 44th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $48.5M | $40.9M | $19.3M | $8.8M | $59K | 0.49% | 3.47% | 0.09% | 2,768 |
| Q4 2025 | $47.3M | $39.5M | $19.1M | $8.7M | $141K | 0.30% | 3.43% | 0.12% | 2,812 |
| Q3 2025 | $46.1M | $38.7M | $18.8M | $8.7M | $99K | 0.29% | 3.51% | 0.19% | 2,824 |
| Q2 2025 | $45.3M | $37.7M | $18.8M | $8.7M | $92K | 0.41% | 3.53% | 0.10% | 2,847 |
| Q1 2025 | $43.5M | $36.0M | $18.9M | $8.6M | $25K | 0.23% | 3.62% | 0.24% | 2,824 |
| Q4 2024 | $42.3M | $35.0M | $18.8M | $8.6M | $334K | 0.79% | 3.60% | 0.21% | 2,889 |
| Q3 2024 | $42.0M | $34.7M | $19.0M | $8.5M | $230K | 0.73% | 3.59% | 0.35% | 2,914 |
| Q2 2024 | $43.5M | $36.1M | $19.2M | $8.4M | $138K | 0.63% | 3.38% | 0.17% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.49% | 0.60% | 44th | |
Return on equity Annualized net income ÷ equity or net worth | 2.7% | 4.1% | 40th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.47% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,947 |
Loan mix (Q1 2026): real estate $7.1M · commercial $0 · consumer $10.6M · securities $22.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 88.6% | 81.5% | 67th |
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.