| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.0% | +1.3% | -4.3 pts |
| Share growth (YoY) | -5.7% | +0.7% | -6.4 pts |
| Loan growth (YoY) | +4.4% | -2.4% | +6.8 pts |
| ROA | 2.69% | 0.60% | +2.1 pts |
| ROE | 15.9% | 4.1% | +11.8 pts |
ROA ranks in the 97th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $23.6M | $19.3M | $16.5M | $4.0M | $158K | 2.69% | 5.42% | 0.54% | 2,602 |
| Q4 2025 | $24.0M | $19.8M | $15.9M | $3.8M | $506K | 2.11% | 5.42% | 0.03% | 2,592 |
| Q3 2025 | $23.6M | $19.6M | $16.7M | $3.7M | $396K | 2.23% | 5.45% | 0.00% | 2,583 |
| Q2 2025 | $23.9M | $20.1M | $15.4M | $3.6M | $236K | 1.97% | 5.34% | 0.13% | 2,639 |
| Q1 2025 | $24.3M | $20.5M | $15.8M | $3.4M | $89K | 1.47% | 5.15% | 0.01% | 2,664 |
| Q4 2024 | $23.3M | $19.8M | $13.1M | $3.3M | $554K | 2.38% | 5.36% | 0.00% | 2,644 |
| Q3 2024 | $23.3M | $20.0M | $13.3M | $3.2M | $396K | 2.26% | 5.32% | 0.08% | 2,642 |
| Q2 2024 | $24.3M | $20.9M | $13.3M | $3.0M | $271K | 2.23% | 5.01% | 0.03% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.69% | 0.60% | 97th | |
Return on equity Annualized net income ÷ equity or net worth | 15.9% | 4.1% | 97th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.42% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,662 |
Loan mix (Q1 2026): real estate $759K · commercial $0 · consumer $12.5M · securities $3.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.4% | 81.5% | 19th |
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.