| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.0% | +1.3% | +2.7 pts |
| Share growth (YoY) | +2.5% | +0.7% | +1.8 pts |
| Loan growth (YoY) | -6.8% | -2.4% | -4.4 pts |
| ROA | 1.09% | 0.60% | +0.5 pts |
| ROE | 8.1% | 4.1% | +4.0 pts |
ROA ranks in the 72nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $34.0M | $29.3M | $11.4M | $4.6M | $93K | 1.09% | 3.52% | 0.11% | 2,695 |
| Q4 2025 | $33.1M | $28.5M | $11.6M | $4.5M | $605K | 1.83% | 3.76% | 0.20% | 2,704 |
| Q3 2025 | $32.6M | $28.2M | $11.7M | $4.3M | $442K | 1.81% | 3.79% | 0.16% | 2,702 |
| Q2 2025 | $32.8M | $28.6M | $11.8M | $4.2M | $267K | 1.62% | 3.73% | 0.13% | 2,697 |
| Q1 2025 | $32.7M | $28.6M | $12.2M | $4.0M | $105K | 1.29% | 3.74% | 0.33% | 2,701 |
| Q4 2024 | $31.6M | $27.7M | $13.0M | $3.9M | $500K | 1.58% | 3.81% | 0.79% | 2,894 |
| Q3 2024 | $32.2M | $28.4M | $13.2M | $3.8M | $370K | 1.53% | 3.73% | 0.27% | 2,900 |
| Q2 2024 | $33.3M | $29.7M | $13.8M | $3.6M | $241K | 1.45% | 3.53% | 0.44% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.09% | 0.60% | 72th | |
Return on equity Annualized net income ÷ equity or net worth | 8.1% | 4.1% | 77th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.52% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,891 |
Loan mix (Q1 2026): real estate $5.0M · commercial $0 · consumer $6.4M · securities $10.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.3% | 81.5% | 31th |
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.