| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.4% | +1.3% | +5.1 pts |
| Share growth (YoY) | +5.3% | +0.7% | +4.7 pts |
| Loan growth (YoY) | -12.9% | -2.4% | -10.6 pts |
| ROA | 1.64% | 0.60% | +1.0 pts |
| ROE | 5.8% | 4.1% | +1.7 pts |
ROA ranks in the 88th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $31.7M | $22.0M | $10.2M | $9.0M | $130K | 1.64% | 5.13% | 2.35% | 4,955 |
| Q4 2025 | $31.0M | $21.4M | $10.3M | $8.9M | $650K | 2.10% | 5.06% | 2.85% | 5,004 |
| Q3 2025 | $30.5M | $21.2M | $9.6M | $8.7M | $461K | 2.02% | 5.08% | 2.30% | 4,998 |
| Q2 2025 | $30.2M | $21.1M | $10.8M | $8.6M | $312K | 2.06% | 5.16% | 1.34% | 5,017 |
| Q1 2025 | $29.8M | $20.9M | $11.7M | $8.4M | $151K | 2.02% | 5.21% | 2.14% | 5,032 |
| Q4 2024 | $29.1M | $20.3M | $12.4M | $8.3M | $678K | 2.33% | 5.10% | 1.19% | 5,031 |
| Q3 2024 | $29.0M | $20.5M | $11.4M | $8.0M | $466K | 2.14% | 5.01% | 1.87% | 5,017 |
| Q2 2024 | $29.2M | $20.7M | $12.7M | $7.9M | $311K | 2.13% | 4.94% | 1.76% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.64% | 0.60% | 88th | |
Return on equity Annualized net income ÷ equity or net worth | 5.8% | 4.1% | 62th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.13% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 5,034 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $9.9M · securities $16.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.2% | 81.5% | 13th |
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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