| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.3% | +1.3% | +2.0 pts |
| Share growth (YoY) | +1.3% | +0.7% | +0.6 pts |
| Loan growth (YoY) | -6.8% | -2.4% | -4.4 pts |
| ROA | 2.02% | 0.60% | +1.4 pts |
| ROE | 9.0% | 4.1% | +4.9 pts |
ROA ranks in the 94th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $38.3M | $29.6M | $8.9M | $8.6M | $193K | 2.02% | 3.95% | 0.00% | 2,922 |
| Q4 2025 | $37.2M | $28.7M | $9.3M | $8.4M | $836K | 2.25% | 4.16% | 0.01% | 2,950 |
| Q3 2025 | $36.5M | $28.2M | $9.2M | $8.3M | $647K | 2.36% | 4.26% | 0.01% | 2,944 |
| Q2 2025 | $36.9M | $28.9M | $9.5M | $8.0M | $422K | 2.29% | 4.18% | 0.00% | 2,948 |
| Q1 2025 | $37.0M | $29.2M | $9.6M | $7.8M | $202K | 2.18% | 4.09% | 0.00% | 2,948 |
| Q4 2024 | $35.3M | $27.7M | $9.6M | $7.6M | $760K | 2.15% | 4.08% | 0.00% | 2,963 |
| Q3 2024 | $35.6M | $28.1M | $9.6M | $7.5M | $599K | 2.24% | 3.99% | 0.00% | 2,954 |
| Q2 2024 | $35.5M | $28.2M | $9.0M | $7.2M | $367K | 2.07% | 3.86% | 0.00% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.02% | 0.60% | 94th | |
Return on equity Annualized net income ÷ equity or net worth | 9.0% | 4.1% | 80th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.95% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,945 |
Loan mix (Q1 2026): real estate $2.7M · commercial $0 · consumer $6.1M · securities $25.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 56.4% | 81.5% | 9th |
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% |
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