| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.3% | +1.3% | +3.0 pts |
| Share growth (YoY) | +3.0% | +0.7% | +2.4 pts |
| Loan growth (YoY) | -8.8% | -2.4% | -6.5 pts |
| ROA | 0.69% | 0.60% | +0.1 pts |
| ROE | 4.1% | 4.1% | +0.0 pts |
ROA ranks in the 54th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $20.4M | $16.9M | $11.9M | $3.4M | $35K | 0.69% | 4.07% | 0.00% | 3,244 |
| Q4 2025 | $20.1M | $16.6M | $12.1M | $3.4M | $371K | 1.85% | 4.36% | 0.13% | 3,263 |
| Q3 2025 | $20.2M | $16.8M | $12.5M | $3.3M | $280K | 1.85% | 4.39% | 0.13% | 3,294 |
| Q2 2025 | $19.6M | $16.3M | $12.9M | $3.2M | $173K | 1.76% | 4.44% | 0.00% | 3,356 |
| Q1 2025 | $19.6M | $16.4M | $13.1M | $3.1M | $86K | 1.75% | 4.36% | 0.00% | 3,356 |
| Q4 2024 | $18.6M | $15.5M | $13.2M | $3.0M | $341K | 1.84% | 4.53% | 0.00% | 3,386 |
| Q3 2024 | $19.6M | $16.6M | $13.6M | $2.9M | $246K | 1.67% | 4.27% | 0.00% | 3,396 |
| Q2 2024 | $19.5M | $16.6M | $13.2M | $2.8M | $154K | 1.58% | 4.12% | 0.00% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.69% | 0.60% | 54th | |
Return on equity Annualized net income ÷ equity or net worth | 4.1% | 4.1% | 50th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.07% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,404 |
Loan mix (Q1 2026): real estate $2.6M · commercial $0 · consumer $8.9M · securities $5.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.2% | 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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