| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.8% | +1.3% | -3.1 pts |
| Share growth (YoY) | -3.5% | +0.7% | -4.2 pts |
| Loan growth (YoY) | +14.8% | -2.4% | +17.2 pts |
| ROA | 1.16% | 0.60% | +0.6 pts |
| ROE | 7.6% | 4.1% | +3.5 pts |
ROA ranks in the 75th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $31.2M | $26.5M | $25.2M | $4.8M | $91K | 1.16% | 4.40% | 0.26% | 2,522 |
| Q4 2025 | $30.5M | $25.7M | $24.1M | $4.7M | $394K | 1.29% | 4.48% | 0.49% | 2,541 |
| Q3 2025 | $29.7M | $25.1M | $23.7M | $4.5M | $242K | 1.08% | 4.45% | 0.21% | 2,527 |
| Q2 2025 | $30.0M | $25.6M | $22.0M | $4.4M | $113K | 0.75% | 4.30% | 0.02% | 2,562 |
| Q1 2025 | $31.7M | $27.4M | $22.0M | $4.3M | $17K | 0.21% | 3.97% | 0.14% | 2,561 |
| Q4 2024 | $31.5M | $26.9M | $22.3M | $4.3M | $459K | 1.46% | 4.13% | 0.53% | 2,559 |
| Q3 2024 | $32.3M | $27.9M | $22.6M | $4.3M | $443K | 1.83% | 3.90% | 1.38% | 2,567 |
| Q2 2024 | $31.2M | $27.0M | $22.5M | $4.2M | $323K | 2.07% | 4.00% | 1.02% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.16% | 0.60% | 75th | |
Return on equity Annualized net income ÷ equity or net worth | 7.6% | 4.1% | 73th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.40% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,567 |
Loan mix (Q1 2026): real estate $8.1M · commercial $0 · consumer $13.2M · securities $1.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.4% | 81.5% | 40th |
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.