| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.5% | +1.3% | +3.2 pts |
| Share growth (YoY) | +3.6% | +0.7% | +2.9 pts |
| Loan growth (YoY) | -4.8% | -2.4% | -2.5 pts |
| ROA | 1.37% | 0.60% | +0.8 pts |
| ROE | 7.6% | 4.1% | +3.5 pts |
ROA ranks in the 82nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $12.8M | $10.4M | $6.5M | $2.3M | $44K | 1.37% | 4.63% | 0.00% | 1,344 |
| Q4 2025 | $13.0M | $10.6M | $6.9M | $2.3M | $208K | 1.60% | 4.46% | 0.10% | 1,350 |
| Q3 2025 | $12.4M | $10.1M | $6.9M | $2.2M | $157K | 1.70% | 4.67% | 0.03% | 1,366 |
| Q2 2025 | $12.2M | $10.0M | $6.8M | $2.2M | $108K | 1.78% | 4.73% | 0.00% | 1,374 |
| Q1 2025 | $12.2M | $10.1M | $6.8M | $2.1M | $50K | 1.64% | 4.60% | 0.00% | 1,370 |
| Q4 2024 | $12.0M | $9.9M | $6.9M | $2.1M | $135K | 1.13% | 4.20% | 0.03% | 1,362 |
| Q3 2024 | $12.0M | $10.0M | $6.7M | $2.0M | $82K | 0.91% | 4.03% | 0.00% | 1,363 |
| Q2 2024 | $11.7M | $9.7M | $6.8M | $2.0M | $46K | 0.78% | 3.95% | 0.01% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.37% | 0.60% | 82th | |
Return on equity Annualized net income ÷ equity or net worth | 7.6% | 4.1% | 73th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.63% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,379 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $6.1M · securities $4.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.2% | 81.5% | 27th |
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.