| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.7% | +1.3% | +6.4 pts |
| Share growth (YoY) | +7.3% | +0.7% | +6.7 pts |
| Loan growth (YoY) | -3.6% | -2.4% | -1.3 pts |
| ROA | 0.66% | 0.60% | +0.1 pts |
| ROE | 7.1% | 4.1% | +3.0 pts |
ROA ranks in the 52nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $9.2M | $8.3M | $5.9M | $856K | $15K | 0.66% | 3.63% | 0.07% | 710 |
| Q4 2025 | $9.0M | $8.1M | $6.0M | $840K | $88K | 0.98% | 3.84% | 0.07% | 719 |
| Q3 2025 | $9.1M | $8.2M | $6.2M | $825K | $73K | 1.06% | 3.78% | 0.00% | 718 |
| Q2 2025 | $8.6M | $7.8M | $6.2M | $799K | $47K | 1.09% | 3.94% | 0.00% | 716 |
| Q1 2025 | $8.6M | $7.8M | $6.1M | $773K | $20K | 0.95% | 3.90% | 0.00% | 725 |
| Q4 2024 | $8.6M | $7.8M | $6.2M | $753K | $68K | 0.79% | 3.61% | 0.00% | 731 |
| Q3 2024 | $8.9M | $8.1M | $6.3M | $733K | $48K | 0.72% | 3.41% | 0.00% | 721 |
| Q2 2024 | $9.0M | $8.3M | $6.2M | $713K | $29K | 0.64% | 3.24% | 0.00% | 715 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.66% | 0.60% | 52th | |
Return on equity Annualized net income ÷ equity or net worth | 7.1% | 4.1% | 71th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.63% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $39K · commercial $0 · consumer $5.5M · securities $1.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.3% | 81.5% | 54th |
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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