| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.8% | +1.3% | +2.5 pts |
| Share growth (YoY) | +2.5% | +0.7% | +1.9 pts |
| Loan growth (YoY) | -1.3% | -2.4% | +1.1 pts |
| ROA | 1.39% | 0.60% | +0.8 pts |
| ROE | 7.6% | 4.1% | +3.5 pts |
ROA ranks in the 82nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $18.1M | $14.7M | $12.2M | $3.3M | $63K | 1.39% | 4.88% | 0.04% | 2,224 |
| Q4 2025 | $17.3M | $14.0M | $12.2M | $3.2M | $213K | 1.23% | 5.31% | 0.00% | 2,243 |
| Q3 2025 | $17.5M | $14.4M | $12.2M | $3.1M | $120K | 0.91% | 5.24% | 0.03% | 2,247 |
| Q2 2025 | $17.5M | $14.4M | $12.6M | $3.1M | $49K | 0.56% | 5.24% | 0.35% | 2,257 |
| Q1 2025 | $17.4M | $14.4M | $12.3M | $3.0M | $-22K | -0.50% | 5.22% | 0.79% | 2,274 |
| Q4 2024 | $17.4M | $14.3M | $12.3M | $3.0M | $257K | 1.48% | 5.39% | 0.33% | 2,272 |
| Q3 2024 | $17.3M | $14.2M | $12.1M | $3.0M | $237K | 1.83% | 5.44% | 0.44% | 2,262 |
| Q2 2024 | $17.3M | $14.3M | $11.7M | $3.0M | $183K | 2.12% | 5.41% | 0.06% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.39% | 0.60% | 82th | |
Return on equity Annualized net income ÷ equity or net worth | 7.6% | 4.1% | 74th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.88% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,276 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $8.7M · securities $3.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.5% | 81.5% | 42th |
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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