| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.0% | +1.3% | +1.7 pts |
| Share growth (YoY) | +2.3% | +0.7% | +1.6 pts |
| Loan growth (YoY) | +11.1% | -2.4% | +13.5 pts |
| ROA | 0.40% | 0.60% | -0.2 pts |
| ROE | 5.4% | 4.1% | +1.3 pts |
ROA ranks in the 40th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $93.0M | $76.3M | $51.4M | $6.9M | $94K | 0.40% | 2.72% | 0.08% | 3,651 |
| Q4 2025 | $91.3M | $74.6M | $51.9M | $6.8M | $424K | 0.46% | 2.67% | 0.15% | 3,694 |
| Q3 2025 | $90.1M | $73.8M | $52.4M | $6.6M | $252K | 0.37% | 2.51% | 0.11% | 3,702 |
| Q2 2025 | $90.0M | $74.0M | $49.3M | $6.5M | $130K | 0.29% | 2.40% | 0.13% | 3,693 |
| Q1 2025 | $90.3M | $74.6M | $46.3M | $6.4M | $45K | 0.20% | 2.30% | 0.03% | 3,698 |
| Q4 2024 | $87.4M | $72.1M | $46.5M | $6.4M | $124K | 0.14% | 2.15% | 0.03% | 3,706 |
| Q3 2024 | $91.6M | $71.9M | $46.3M | $6.5M | $226K | 0.33% | 2.25% | 0.05% | 3,724 |
| Q2 2024 | $92.4M | $73.3M | $46.1M | $6.4M | $151K | 0.33% | 2.20% | 0.06% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.40% | 0.60% | 40th | |
Return on equity Annualized net income ÷ equity or net worth | 5.4% | 4.1% | 60th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.72% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,745 |
Loan mix (Q1 2026): real estate $38.9M · commercial $376K · consumer $9.3M · securities $18.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 85.3% | 81.5% | 59th |
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.