| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.1% | +1.3% | +2.8 pts |
| Share growth (YoY) | +3.9% | +0.7% | +3.2 pts |
| Loan growth (YoY) | -5.1% | -2.4% | -2.7 pts |
| ROA | 1.01% | 0.60% | +0.4 pts |
| ROE | 8.6% | 4.1% | +4.5 pts |
ROA ranks in the 69th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $73.7M | $64.6M | $27.6M | $8.7M | $186K | 1.01% | 2.31% | 1.49% | 3,669 |
| Q4 2025 | $71.6M | $62.7M | $28.5M | $8.5M | $496K | 0.69% | 2.10% | 1.44% | 3,664 |
| Q3 2025 | $70.8M | $62.0M | $29.4M | $8.4M | $380K | 0.72% | 2.08% | 1.37% | 3,661 |
| Q2 2025 | $71.0M | $62.2M | $29.5M | $8.2M | $227K | 0.64% | 1.98% | 0.89% | 3,642 |
| Q1 2025 | $70.8M | $62.1M | $29.1M | $8.1M | $95K | 0.54% | 1.85% | 0.27% | 3,630 |
| Q4 2024 | $67.5M | $58.9M | $29.3M | $8.0M | $287K | 0.42% | 1.85% | 1.41% | 3,621 |
| Q3 2024 | $65.7M | $57.2M | $29.4M | $7.9M | $234K | 0.47% | 1.89% | 0.80% | 2,597 |
| Q2 2024 | $63.9M | $55.4M | $29.1M | $7.8M | $153K | 0.48% | 1.94% | 0.43% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.01% | 0.60% | 69th | |
Return on equity Annualized net income ÷ equity or net worth | 8.6% | 4.1% | 79th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.31% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,679 |
Loan mix (Q1 2026): real estate $15.8M · commercial $0 · consumer $11.7M · securities $31.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 56.1% | 81.5% | 8th |
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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