| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.3% | +1.3% | +2.0 pts |
| Share growth (YoY) | +4.8% | +0.7% | +4.1 pts |
| Loan growth (YoY) | +6.2% | -2.4% | +8.5 pts |
| ROA | 1.00% | 0.60% | +0.4 pts |
| ROE | 11.3% | 4.1% | +7.2 pts |
ROA ranks in the 69th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $36.9M | $34.0M | $21.2M | $3.3M | $92K | 1.00% | 4.46% | 1.05% | 3,197 |
| Q4 2025 | $36.4M | $33.0M | $20.9M | $3.2M | $296K | 0.81% | 4.38% | 0.28% | 3,175 |
| Q3 2025 | $36.6M | $33.2M | $20.7M | $3.1M | $199K | 0.73% | 4.30% | 1.17% | 3,173 |
| Q2 2025 | $35.9M | $32.7M | $20.4M | $3.0M | $123K | 0.69% | 4.27% | 0.28% | 3,225 |
| Q1 2025 | $35.7M | $32.5M | $20.0M | $2.9M | $52K | 0.58% | 4.11% | 0.40% | 3,231 |
| Q4 2024 | $34.9M | $31.8M | $19.6M | $2.9M | $177K | 0.51% | 4.02% | 0.13% | 3,225 |
| Q3 2024 | $34.9M | $31.9M | $19.8M | $2.8M | $128K | 0.49% | 3.98% | 0.24% | 3,231 |
| Q2 2024 | $34.4M | $31.5M | $19.8M | $2.8M | $100K | 0.58% | 4.06% | 0.56% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.00% | 0.60% | 69th | |
Return on equity Annualized net income ÷ equity or net worth | 11.3% | 4.1% | 89th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.46% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,226 |
Loan mix (Q1 2026): real estate $6.2M · commercial $0 · consumer $12.5M · securities $10.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 84.0% | 81.5% | 56th |
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.