| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.0% | +1.3% | +0.7 pts |
| Share growth (YoY) | +1.9% | +0.7% | +1.3 pts |
| Loan growth (YoY) | +6.1% | -2.4% | +8.5 pts |
| ROA | 0.19% | 0.60% | -0.4 pts |
| ROE | 1.7% | 4.1% | -2.4 pts |
ROA ranks in the 29th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $34.7M | $30.8M | $23.3M | $3.8M | $16K | 0.19% | 3.87% | 0.80% | 1,817 |
| Q4 2025 | $35.3M | $31.4M | $23.3M | $3.8M | $175K | 0.50% | 3.71% | 0.47% | 1,807 |
| Q3 2025 | $35.9M | $31.9M | $22.6M | $3.9M | $173K | 0.64% | 3.59% | 0.68% | 1,801 |
| Q2 2025 | $35.1M | $31.2M | $22.5M | $3.8M | $137K | 0.78% | 3.58% | 0.43% | 1,801 |
| Q1 2025 | $34.1M | $30.2M | $21.9M | $3.7M | $67K | 0.78% | 3.55% | 0.38% | 1,793 |
| Q4 2024 | $30.9M | $27.1M | $21.8M | $3.7M | $263K | 0.85% | 3.87% | 0.09% | 1,788 |
| Q3 2024 | $31.1M | $27.4M | $21.3M | $3.6M | $226K | 0.97% | 3.82% | 0.12% | 1,786 |
| Q2 2024 | $30.7M | $27.0M | $20.6M | $3.6M | $137K | 0.89% | 3.84% | 0.35% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.19% | 0.60% | 29th | |
Return on equity Annualized net income ÷ equity or net worth | 1.7% | 4.1% | 32th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.87% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,777 |
Loan mix (Q1 2026): real estate $16.1M · commercial $0 · consumer $5.7M · securities $7.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 87.8% | 81.5% | 65th |
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.