| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.6% | +1.3% | +1.3 pts |
| Share growth (YoY) | +0.3% | +0.7% | -0.4 pts |
| Loan growth (YoY) | -5.8% | -2.4% | -3.4 pts |
| ROA | 1.24% | 0.60% | +0.6 pts |
| ROE | 5.9% | 4.1% | +1.8 pts |
ROA ranks in the 78th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $9.7M | $7.6M | $2.9M | $2.0M | $30K | 1.24% | 4.49% | 0.52% | 821 |
| Q4 2025 | $9.1M | $7.1M | $2.9M | $2.0M | $166K | 1.82% | 4.92% | 0.22% | 814 |
| Q3 2025 | $9.1M | $7.1M | $3.0M | $2.0M | $102K | 1.50% | 4.99% | 0.50% | 820 |
| Q2 2025 | $9.5M | $7.6M | $3.0M | $1.9M | $67K | 1.40% | 4.59% | 0.40% | 828 |
| Q1 2025 | $9.5M | $7.6M | $3.1M | $1.9M | $10K | 0.42% | 4.35% | 0.42% | 834 |
| Q4 2024 | $8.9M | $7.0M | $3.2M | $1.8M | $97K | 1.09% | 4.52% | 0.72% | 841 |
| Q3 2024 | $8.8M | $7.0M | $3.3M | $1.8M | $50K | 0.75% | 4.48% | 0.91% | 877 |
| Q2 2024 | $9.0M | $7.3M | $3.3M | $1.7M | $-680 | -0.01% | 4.27% | 0.14% | 923 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.24% | 0.60% | 78th | |
Return on equity Annualized net income ÷ equity or net worth | 5.9% | 4.1% | 64th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.49% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $2.6M · securities $5.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.1% | 81.5% | 24th |
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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