| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.2% | +1.3% | +3.9 pts |
| Share growth (YoY) | +3.9% | +0.7% | +3.2 pts |
| Loan growth (YoY) | -4.4% | -2.4% | -2.1 pts |
| ROA | 1.91% | 0.60% | +1.3 pts |
| ROE | 6.1% | 4.1% | +2.0 pts |
ROA ranks in the 92nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $21.7M | $15.0M | $13.5M | $6.8M | $104K | 1.91% | 5.64% | 3.58% | 3,166 |
| Q4 2025 | $21.8M | $15.2M | $13.9M | $6.6M | $484K | 2.22% | 5.67% | 3.77% | 3,168 |
| Q3 2025 | $21.0M | $14.5M | $14.2M | $6.6M | $402K | 2.55% | 5.90% | 3.82% | 3,230 |
| Q2 2025 | $21.0M | $14.6M | $14.3M | $6.4M | $244K | 2.32% | 5.90% | 3.57% | 3,192 |
| Q1 2025 | $20.6M | $14.4M | $14.1M | $6.2M | $78K | 1.51% | 5.95% | 2.83% | 3,171 |
| Q4 2024 | $20.6M | $14.4M | $14.1M | $6.2M | $244K | 1.19% | 5.77% | 2.98% | 3,143 |
| Q3 2024 | $20.2M | $14.1M | $13.9M | $6.1M | $184K | 1.22% | 5.80% | 3.18% | 3,102 |
| Q2 2024 | $20.5M | $14.6M | $13.9M | $6.0M | $44K | 0.42% | 5.55% | 3.34% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.91% | 0.60% | 92th | |
Return on equity Annualized net income ÷ equity or net worth | 6.1% | 4.1% | 65th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.64% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,079 |
Loan mix (Q1 2026): real estate $2.3M · commercial $1.7M · consumer $9.5M · securities $7.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 72.3% | 81.5% | 29th |
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.