| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.8% | +1.3% | +0.5 pts |
| Share growth (YoY) | +0.1% | +0.7% | -0.6 pts |
| Loan growth (YoY) | -5.1% | -2.4% | -2.8 pts |
| ROA | 1.31% | 0.60% | +0.7 pts |
| ROE | 8.0% | 4.1% | +3.9 pts |
ROA ranks in the 80th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $39.9M | $33.4M | $28.4M | $6.6M | $131K | 1.31% | 3.77% | 1.52% | 2,640 |
| Q4 2025 | $40.1M | $33.6M | $29.1M | $6.4M | $707K | 1.76% | 4.02% | 2.71% | 2,647 |
| Q3 2025 | $40.8M | $34.6M | $30.3M | $6.2M | $497K | 1.63% | 3.91% | 2.46% | 2,695 |
| Q2 2025 | $42.6M | $36.6M | $30.3M | $6.1M | $321K | 1.51% | 3.62% | 2.14% | 2,674 |
| Q1 2025 | $39.2M | $33.3M | $29.9M | $5.9M | $205K | 2.09% | 3.69% | 1.83% | 2,670 |
| Q4 2024 | $37.8M | $32.1M | $30.1M | $5.8M | $453K | 1.20% | 3.80% | 0.62% | 2,646 |
| Q3 2024 | $37.3M | $31.8M | $30.1M | $5.6M | $286K | 1.02% | 3.83% | 1.09% | 2,644 |
| Q2 2024 | $37.8M | $32.4M | $30.2M | $5.5M | $249K | 1.32% | 3.75% | 0.93% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.31% | 0.60% | 80th | |
Return on equity Annualized net income ÷ equity or net worth | 8.0% | 4.1% | 76th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.77% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,635 |
Loan mix (Q1 2026): real estate $8.5M · commercial $0 · consumer $16.1M · securities $5.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 68.1% | 81.5% | 23th |
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.