| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.9% | +1.3% | +0.6 pts |
| Share growth (YoY) | +0.5% | +0.7% | -0.1 pts |
| Loan growth (YoY) | -8.1% | -2.4% | -5.8 pts |
| ROA | 1.28% | 0.60% | +0.7 pts |
| ROE | 11.6% | 4.1% | +7.5 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 | $61.1M | $54.7M | $15.6M | $6.7M | $196K | 1.28% | 2.72% | 0.28% | 4,738 |
| Q4 2025 | $59.4M | $53.1M | $16.4M | $6.5M | $409K | 0.69% | 2.36% | 0.47% | 4,779 |
| Q3 2025 | $59.1M | $53.0M | $17.2M | $6.4M | $250K | 0.56% | 2.23% | 0.23% | 4,846 |
| Q2 2025 | $60.2M | $54.6M | $17.0M | $6.3M | $112K | 0.37% | 2.04% | 0.33% | 4,841 |
| Q1 2025 | $59.9M | $54.4M | $17.0M | $6.2M | $60K | 0.40% | 1.97% | 0.22% | 4,609 |
| Q4 2024 | $58.2M | $52.9M | $17.9M | $6.1M | $182K | 0.31% | 1.95% | 0.39% | 4,653 |
| Q3 2024 | $57.0M | $51.7M | $18.5M | $6.2M | $175K | 0.41% | 1.98% | 0.61% | 4,683 |
| Q2 2024 | $56.2M | $51.3M | $18.5M | $6.1M | $108K | 0.38% | 1.92% | 0.41% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.28% | 0.60% | 79th | |
Return on equity Annualized net income ÷ equity or net worth | 11.6% | 4.1% | 90th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.72% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 4,697 |
Loan mix (Q1 2026): real estate $6.9M · commercial $0 · consumer $8.5M · securities $42.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.3% | 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.