| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.1% | +1.3% | +3.8 pts |
| Share growth (YoY) | +3.4% | +0.7% | +2.7 pts |
| Loan growth (YoY) | -17.6% | -2.4% | -15.2 pts |
| ROA | 1.96% | 0.60% | +1.4 pts |
| ROE | 12.9% | 4.1% | +8.8 pts |
ROA ranks in the 93rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $72.0M | $60.9M | $7.7M | $10.9M | $353K | 1.96% | 3.37% | 0.57% | 2,700 |
| Q4 2025 | $70.4M | $59.8M | $8.3M | $10.6M | $1.5M | 2.06% | 3.42% | 0.48% | 2,722 |
| Q3 2025 | $69.4M | $59.1M | $8.7M | $10.2M | $1.1M | 2.11% | 3.46% | 0.39% | 2,763 |
| Q2 2025 | $69.6M | $59.7M | $8.9M | $9.8M | $707K | 2.03% | 3.37% | 0.21% | 2,791 |
| Q1 2025 | $68.5M | $58.9M | $9.4M | $9.5M | $332K | 1.94% | 3.30% | 0.20% | 3,010 |
| Q4 2024 | $66.4M | $57.1M | $9.8M | $9.1M | $1.2M | 1.87% | 3.40% | 0.09% | 3,192 |
| Q3 2024 | $65.7M | $56.7M | $10.1M | $8.8M | $929K | 1.89% | 3.44% | 0.08% | 3,200 |
| Q2 2024 | $67.5M | $58.8M | $10.1M | $8.5M | $637K | 1.89% | 3.32% | 0.13% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.96% | 0.60% | 93th | |
Return on equity Annualized net income ÷ equity or net worth | 12.9% | 4.1% | 93th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.37% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,222 |
Loan mix (Q1 2026): real estate $3.0M · commercial $0 · consumer $4.4M · securities $48.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 44.7% | 81.5% | 3th |
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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