| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +12.2% | +1.3% | +10.9 pts |
| Share growth (YoY) | +17.4% | +0.7% | +16.8 pts |
| Loan growth (YoY) | -2.4% | -2.4% | -0.1 pts |
| ROA | 0.65% | 0.60% | +0.0 pts |
| ROE | 2.2% | 4.1% | -1.9 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 | $8.5M | $6.0M | $6.7M | $2.5M | $14K | 0.65% | 7.65% | 0.39% | 1,578 |
| Q4 2025 | $8.0M | $5.4M | $7.0M | $2.5M | $105K | 1.31% | 8.19% | 1.71% | 1,579 |
| Q3 2025 | $8.1M | $5.5M | $6.8M | $2.4M | $72K | 1.19% | 7.99% | 0.68% | 1,583 |
| Q2 2025 | $8.6M | $6.0M | $6.9M | $2.4M | $46K | 1.06% | 7.37% | 0.65% | 1,640 |
| Q1 2025 | $7.6M | $5.1M | $6.9M | $2.4M | $19K | 0.98% | 8.21% | 0.49% | 1,488 |
| Q4 2024 | $7.8M | $5.2M | $6.7M | $2.4M | $121K | 1.56% | 7.58% | 0.80% | 1,511 |
| Q3 2024 | $7.4M | $5.0M | $6.6M | $2.3M | $100K | 1.80% | 7.78% | 0.29% | 1,497 |
| Q2 2024 | $7.2M | $4.9M | $6.6M | $2.3M | $64K | 1.77% | 7.71% | 3.37% | 1,512 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.65% | 0.60% | 52th | |
Return on equity Annualized net income ÷ equity or net worth | 2.2% | 4.1% | 36th | |
Net interest margin Interest income − interest expense, ÷ assets | 7.65% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $822K · commercial $0 · consumer $5.7M · securities $26K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 92.8% | 81.5% | 74th |
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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