| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.0% | +1.3% | +0.7 pts |
| Share growth (YoY) | +1.5% | +0.7% | +0.8 pts |
| Loan growth (YoY) | -4.4% | -2.4% | -2.0 pts |
| ROA | 0.63% | 0.60% | +0.0 pts |
| ROE | 5.2% | 4.1% | +1.1 pts |
ROA ranks in the 51st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $96.1M | $84.3M | $50.4M | $11.7M | $152K | 0.63% | 3.44% | 1.36% | 4,224 |
| Q4 2025 | $94.2M | $82.5M | $52.2M | $11.5M | $725K | 0.77% | 3.56% | 0.09% | 4,227 |
| Q3 2025 | $93.6M | $82.1M | $52.5M | $11.3M | $506K | 0.72% | 3.50% | 0.76% | 4,240 |
| Q2 2025 | $92.8M | $81.4M | $52.4M | $11.1M | $340K | 0.73% | 3.48% | 0.36% | 4,237 |
| Q1 2025 | $94.2M | $83.0M | $52.7M | $11.0M | $215K | 0.91% | 3.37% | 0.36% | 4,226 |
| Q4 2024 | $92.5M | $81.5M | $53.3M | $10.8M | $348K | 0.38% | 3.44% | 0.22% | 4,240 |
| Q3 2024 | $91.0M | $80.1M | $54.4M | $10.7M | $226K | 0.33% | 3.46% | 0.50% | 4,268 |
| Q2 2024 | $91.8M | $80.7M | $54.1M | $10.6M | $169K | 0.37% | 3.41% | 0.37% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.63% | 0.60% | 51th | |
Return on equity Annualized net income ÷ equity or net worth | 5.2% | 4.1% | 58th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.44% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 4,248 |
Loan mix (Q1 2026): real estate $30.0M · commercial $0 · consumer $15.3M · securities $27.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.1% | 81.5% | 54th |
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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