| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.8% | +1.3% | +8.5 pts |
| Share growth (YoY) | +10.0% | +0.7% | +9.3 pts |
| Loan growth (YoY) | -4.5% | -2.4% | -2.1 pts |
| ROA | 0.41% | 0.60% | -0.2 pts |
| ROE | 4.5% | 4.1% | +0.4 pts |
ROA ranks in the 40th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $69.6M | $63.8M | $25.5M | $6.4M | $72K | 0.41% | 2.19% | 0.78% | 3,780 |
| Q4 2025 | $65.3M | $59.5M | $26.2M | $6.2M | $401K | 0.61% | 2.39% | 0.98% | 3,786 |
| Q3 2025 | $65.0M | $59.2M | $26.5M | $6.1M | $273K | 0.56% | 2.35% | 0.98% | 3,802 |
| Q2 2025 | $66.5M | $60.8M | $26.3M | $6.0M | $152K | 0.46% | 2.22% | 1.66% | 3,798 |
| Q1 2025 | $63.4M | $58.0M | $26.7M | $6.0M | $78K | 0.49% | 2.38% | 2.59% | 3,815 |
| Q4 2024 | $61.6M | $56.2M | $27.6M | $5.9M | $431K | 0.70% | 2.52% | 1.28% | 3,836 |
| Q3 2024 | $62.0M | $56.1M | $27.8M | $5.8M | $362K | 0.78% | 2.53% | 0.67% | 3,832 |
| Q2 2024 | $64.2M | $58.4M | $27.9M | $5.7M | $257K | 0.80% | 2.50% | 0.47% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.41% | 0.60% | 40th | |
Return on equity Annualized net income ÷ equity or net worth | 4.5% | 4.1% | 53th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.19% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,799 |
Loan mix (Q1 2026): real estate $18.2M · commercial $0 · consumer $7.1M · securities $28.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.8% | 81.5% | 55th |
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.