| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.0% | +1.3% | +0.7 pts |
| Share growth (YoY) | -0.6% | +0.7% | -1.2 pts |
| Loan growth (YoY) | -0.7% | -2.4% | +1.6 pts |
| ROA | 1.35% | 0.60% | +0.7 pts |
| ROE | 8.9% | 4.1% | +4.8 pts |
ROA ranks in the 81st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $34.4M | $28.9M | $20.6M | $5.2M | $116K | 1.35% | 3.93% | 0.21% | 2,093 |
| Q4 2025 | $33.9M | $28.6M | $20.7M | $5.1M | $490K | 1.45% | 4.06% | 0.49% | 2,138 |
| Q3 2025 | $33.5M | $28.4M | $21.1M | $5.0M | $359K | 1.43% | 4.10% | 0.05% | 2,139 |
| Q2 2025 | $33.3M | $28.3M | $20.9M | $4.9M | $259K | 1.55% | 4.17% | 1.21% | 2,152 |
| Q1 2025 | $33.7M | $29.1M | $20.8M | $4.7M | $139K | 1.65% | 4.34% | 0.17% | 2,159 |
| Q4 2024 | $33.5M | $28.8M | $20.5M | $4.6M | $601K | 1.79% | 4.31% | 0.13% | 2,162 |
| Q3 2024 | $34.2M | $29.5M | $20.6M | $4.5M | $494K | 1.93% | 4.42% | 0.05% | 2,166 |
| Q2 2024 | $35.2M | $30.6M | $19.9M | $4.3M | $329K | 1.87% | 4.06% | 0.04% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.35% | 0.60% | 81th | |
Return on equity Annualized net income ÷ equity or net worth | 8.9% | 4.1% | 80th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.93% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,177 |
Loan mix (Q1 2026): real estate $7.0M · commercial $0 · consumer $11.0M · securities $6.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.1% | 81.5% | 21th |
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.