| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.8% | +1.3% | +0.5 pts |
| Share growth (YoY) | +1.3% | +0.7% | +0.6 pts |
| Loan growth (YoY) | -15.3% | -2.4% | -12.9 pts |
| ROA | 1.05% | 0.60% | +0.4 pts |
| ROE | 9.5% | 4.1% | +5.4 pts |
ROA ranks in the 71st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $11.1M | $9.9M | $6.5M | $1.2M | $29K | 1.05% | 3.50% | 0.62% | 865 |
| Q4 2025 | $10.9M | $9.7M | $6.7M | $1.2M | $57K | 0.52% | 3.14% | 0.28% | 875 |
| Q3 2025 | $11.3M | $10.1M | $6.9M | $1.2M | $51K | 0.60% | 2.90% | 0.77% | 867 |
| Q2 2025 | $11.1M | $9.9M | $7.3M | $1.2M | $36K | 0.65% | 2.96% | 0.56% | 881 |
| Q1 2025 | $10.9M | $9.8M | $7.6M | $1.2M | $17K | 0.61% | 2.87% | 0.84% | 874 |
| Q4 2024 | $11.5M | $10.0M | $7.9M | $1.1M | $-41K | -0.36% | 2.20% | 0.91% | 868 |
| Q3 2024 | $11.4M | $10.2M | $8.1M | $1.2M | $-15K | -0.18% | 2.18% | 1.08% | 861 |
| Q2 2024 | $11.5M | $10.3M | $8.5M | $1.2M | $-11K | -0.20% | 2.14% | 1.05% | 859 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.05% | 0.60% | 71th | |
Return on equity Annualized net income ÷ equity or net worth | 9.5% | 4.1% | 83th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.50% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $5.9M · securities $3.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.9% | 81.5% | 27th |
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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