| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.3% | +1.3% | -1.0 pts |
| Share growth (YoY) | -1.2% | +0.7% | -1.8 pts |
| Loan growth (YoY) | -6.7% | -2.4% | -4.3 pts |
| ROA | 1.30% | 0.60% | +0.7 pts |
| ROE | 7.2% | 4.1% | +3.1 pts |
ROA ranks in the 79th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $37.2M | $30.1M | $22.2M | $6.7M | $120K | 1.30% | 4.05% | 0.88% | 2,687 |
| Q4 2025 | $37.5M | $30.4M | $22.5M | $6.5M | $450K | 1.20% | 3.77% | 0.84% | 2,670 |
| Q3 2025 | $37.2M | $30.3M | $23.2M | $6.6M | $457K | 1.64% | 4.18% | 0.75% | 2,673 |
| Q2 2025 | $37.0M | $30.3M | $23.5M | $6.4M | $285K | 1.54% | 4.23% | 0.43% | 2,783 |
| Q1 2025 | $37.0M | $30.5M | $23.8M | $6.2M | $97K | 1.05% | 3.99% | 0.22% | 2,728 |
| Q4 2024 | $36.2M | $29.8M | $22.9M | $6.1M | $427K | 1.18% | 3.80% | 0.88% | 2,737 |
| Q3 2024 | $35.4M | $29.2M | $22.7M | $6.0M | $286K | 1.07% | 3.71% | 0.70% | 2,902 |
| Q2 2024 | $35.1M | $29.1M | $20.8M | $5.9M | $219K | 1.25% | 3.64% | 0.94% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.30% | 0.60% | 79th | |
Return on equity Annualized net income ÷ equity or net worth | 7.2% | 4.1% | 71th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.05% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,758 |
Loan mix (Q1 2026): real estate $16.3M · commercial $0 · consumer $4.7M · securities $5.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.6% | 81.5% | 15th |
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.