| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.6% | +1.3% | +2.3 pts |
| Share growth (YoY) | +1.8% | +0.7% | +1.1 pts |
| Loan growth (YoY) | -9.3% | -2.4% | -7.0 pts |
| ROA | 1.89% | 0.60% | +1.3 pts |
| ROE | 9.6% | 4.1% | +5.5 pts |
ROA ranks in the 92nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $36.7M | $29.3M | $19.4M | $7.2M | $173K | 1.89% | 4.00% | 0.50% | 1,851 |
| Q4 2025 | $36.4M | $29.2M | $20.2M | $7.1M | $706K | 1.94% | 3.91% | 0.11% | 1,841 |
| Q3 2025 | $36.0M | $29.0M | $20.4M | $6.8M | $486K | 1.80% | 3.89% | 0.35% | 1,824 |
| Q2 2025 | $35.4M | $28.6M | $20.8M | $6.7M | $315K | 1.78% | 3.88% | 0.05% | 1,859 |
| Q1 2025 | $35.4M | $28.8M | $21.4M | $6.5M | $141K | 1.60% | 3.83% | 0.00% | 1,858 |
| Q4 2024 | $35.5M | $28.7M | $21.7M | $6.4M | $683K | 1.92% | 3.79% | 0.01% | 1,832 |
| Q3 2024 | $36.4M | $30.1M | $21.8M | $6.1M | $466K | 1.71% | 3.64% | 0.11% | 1,688 |
| Q2 2024 | $36.3M | $30.1M | $21.9M | $6.0M | $316K | 1.74% | 3.61% | 0.00% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.89% | 0.60% | 92th | |
Return on equity Annualized net income ÷ equity or net worth | 9.6% | 4.1% | 83th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.00% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,698 |
Loan mix (Q1 2026): real estate $5.9M · commercial $0 · consumer $11.2M · securities $8.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 57.7% | 81.5% | 10th |
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.