| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.8% | +1.3% | +6.5 pts |
| Share growth (YoY) | +6.1% | +0.7% | +5.4 pts |
| Loan growth (YoY) | -5.6% | -2.4% | -3.3 pts |
| ROA | 1.13% | 0.60% | +0.5 pts |
| ROE | 10.0% | 4.1% | +5.9 pts |
ROA ranks in the 74th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $40.3M | $35.6M | $23.3M | $4.6M | $114K | 1.13% | 4.72% | 0.60% | 2,953 |
| Q4 2025 | $39.4M | $34.8M | $23.6M | $4.4M | $359K | 0.91% | 4.64% | 1.08% | 2,947 |
| Q3 2025 | $38.5M | $34.1M | $23.8M | $4.4M | $269K | 0.93% | 4.68% | 1.04% | 2,947 |
| Q2 2025 | $38.2M | $33.8M | $23.8M | $4.3M | $148K | 0.77% | 4.57% | 0.66% | 2,959 |
| Q1 2025 | $37.4M | $33.5M | $24.7M | $4.2M | $79K | 0.84% | 4.38% | 0.12% | 2,941 |
| Q4 2024 | $36.7M | $32.5M | $25.7M | $4.1M | $371K | 1.01% | 4.49% | 0.14% | 2,944 |
| Q3 2024 | $36.7M | $32.6M | $25.6M | $4.0M | $218K | 0.79% | 4.36% | 0.07% | 2,954 |
| Q2 2024 | $36.6M | $32.4M | $25.9M | $3.9M | $122K | 0.67% | 4.36% | 0.27% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.13% | 0.60% | 74th | |
Return on equity Annualized net income ÷ equity or net worth | 10.0% | 4.1% | 85th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.72% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,958 |
Loan mix (Q1 2026): real estate $5.4M · commercial $0 · consumer $16.7M · securities $7.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.1% | 81.5% | 51th |
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.