| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.0% | +1.3% | +4.7 pts |
| Share growth (YoY) | +6.4% | +0.7% | +5.7 pts |
| Loan growth (YoY) | -9.8% | -2.4% | -7.5 pts |
| ROA | 0.82% | 0.60% | +0.2 pts |
| ROE | 5.3% | 4.1% | +1.2 pts |
ROA ranks in the 61st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $49.8M | $42.0M | $23.0M | $7.7M | $102K | 0.82% | 2.74% | 0.98% | 2,717 |
| Q4 2025 | $47.8M | $39.8M | $23.1M | $7.6M | $316K | 0.66% | 2.71% | 0.96% | 2,736 |
| Q3 2025 | $48.4M | $40.8M | $23.6M | $7.6M | $283K | 0.78% | 2.69% | 0.46% | 2,799 |
| Q2 2025 | $47.6M | $40.0M | $24.7M | $7.5M | $204K | 0.86% | 2.74% | 0.35% | 2,815 |
| Q1 2025 | $47.0M | $39.5M | $25.5M | $7.4M | $116K | 0.98% | 2.79% | 0.16% | 2,838 |
| Q4 2024 | $46.3M | $38.7M | $26.1M | $7.3M | $418K | 0.90% | 2.84% | 0.16% | 2,878 |
| Q3 2024 | $45.8M | $38.5M | $26.7M | $7.3M | $336K | 0.98% | 2.88% | 0.18% | 2,907 |
| Q2 2024 | $45.9M | $38.7M | $27.3M | $7.1M | $213K | 0.93% | 2.88% | 0.20% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.82% | 0.60% | 61th | |
Return on equity Annualized net income ÷ equity or net worth | 5.3% | 4.1% | 59th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.74% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,941 |
Loan mix (Q1 2026): real estate $10.1M · commercial $0 · consumer $11.6M · securities $23.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.2% | 81.5% | 31th |
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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