| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.9% | +1.3% | -2.2 pts |
| Share growth (YoY) | -1.8% | +0.7% | -2.5 pts |
| Loan growth (YoY) | -7.9% | -2.4% | -5.5 pts |
| ROA | 2.69% | 0.60% | +2.1 pts |
| ROE | 16.5% | 4.1% | +12.4 pts |
ROA ranks in the 97th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $75.3M | $62.8M | $26.8M | $12.3M | $506K | 2.69% | 3.43% | 1.87% | 4,025 |
| Q4 2025 | $73.8M | $61.8M | $27.6M | $11.8M | $763K | 1.03% | 3.57% | 0.98% | 4,596 |
| Q3 2025 | $73.0M | $61.1M | $28.3M | $11.5M | $561K | 1.02% | 3.70% | 1.83% | 4,000 |
| Q2 2025 | $75.4M | $63.6M | $28.9M | $11.4M | $635K | 1.68% | 3.73% | 0.70% | 4,110 |
| Q1 2025 | $76.0M | $63.9M | $29.1M | $11.0M | $236K | 1.24% | 4.03% | 0.72% | 4,399 |
| Q4 2024 | $74.6M | $63.2M | $29.4M | $9.9M | $828K | 1.11% | 3.12% | 0.51% | 4,528 |
| Q3 2024 | $76.6M | $64.9M | $29.4M | $9.7M | $623K | 1.08% | 3.07% | 1.82% | 4,782 |
| Q2 2024 | $79.0M | $68.5M | $29.4M | $9.5M | $439K | 1.11% | 3.02% | 0.23% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.69% | 0.60% | 97th | |
Return on equity Annualized net income ÷ equity or net worth | 16.5% | 4.1% | 97th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.43% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 7,580 |
Loan mix (Q1 2026): real estate $19.4M · commercial $196K · consumer $7.0M · securities $28.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 25.2% | 81.5% | 1th |
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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