| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.3% | +1.3% | +10.0 pts |
| Share growth (YoY) | +11.9% | +0.7% | +11.3 pts |
| Loan growth (YoY) | +12.8% | -2.4% | +15.2 pts |
| ROA | 0.03% | 0.60% | -0.6 pts |
| ROE | 0.2% | 4.1% | -3.9 pts |
ROA ranks in the 23rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $47.5M | $39.9M | $22.9M | $7.8M | $4K | 0.03% | 1.86% | 4.52% | 3,317 |
| Q4 2025 | $46.2M | $38.6M | $23.2M | $7.8M | $275K | 0.60% | 2.46% | 5.71% | 3,264 |
| Q3 2025 | $42.6M | $35.4M | $21.4M | $7.5M | $5K | 0.01% | 2.14% | 5.91% | 3,218 |
| Q2 2025 | $42.5M | $35.2M | $21.1M | $7.5M | $8K | 0.04% | 2.08% | 7.21% | 3,158 |
| Q1 2025 | $42.7M | $35.7M | $20.3M | $7.6M | $12K | 0.11% | 2.21% | 5.02% | 3,217 |
| Q4 2024 | $41.3M | $34.3M | $20.8M | $7.5M | $152K | 0.37% | 2.44% | 7.03% | 3,275 |
| Q3 2024 | $41.6M | $34.6M | $20.4M | $7.5M | $134K | 0.43% | 2.45% | 5.41% | 3,109 |
| Q2 2024 | $40.9M | $34.1M | $19.9M | $7.5M | $99K | 0.48% | 2.40% | 6.37% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.03% | 0.60% | 23th | |
Return on equity Annualized net income ÷ equity or net worth | 0.2% | 4.1% | 22th | |
Net interest margin Interest income − interest expense, ÷ assets | 1.86% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,000 |
Loan mix (Q1 2026): real estate $3.9M · commercial $499K · consumer $15.7M · securities $20.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 99.3% | 81.5% | 84th |
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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