| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.5% | +1.3% | +3.2 pts |
| Share growth (YoY) | +4.0% | +0.7% | +3.3 pts |
| Loan growth (YoY) | -2.3% | -2.4% | +0.1 pts |
| ROA | 1.00% | 0.60% | +0.4 pts |
| ROE | 8.6% | 4.1% | +4.5 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 | $64.3M | $57.1M | $30.1M | $7.5M | $162K | 1.00% | 3.20% | 1.96% | 4,561 |
| Q4 2025 | $61.8M | $54.8M | $30.1M | $7.3M | $607K | 0.98% | 3.34% | 0.21% | 4,590 |
| Q3 2025 | $60.4M | $53.5M | $30.0M | $7.3M | $474K | 1.05% | 3.40% | 0.01% | 4,640 |
| Q2 2025 | $60.7M | $53.9M | $30.4M | $7.1M | $322K | 1.06% | 3.34% | 0.39% | 4,673 |
| Q1 2025 | $61.5M | $54.9M | $30.7M | $7.0M | $171K | 1.11% | 3.24% | 0.38% | 4,644 |
| Q4 2024 | $59.4M | $53.0M | $30.8M | $6.8M | $662K | 1.12% | 3.33% | 0.00% | 4,625 |
| Q3 2024 | $57.4M | $51.2M | $30.2M | $6.6M | $461K | 1.07% | 3.40% | 0.02% | 4,637 |
| Q2 2024 | $56.0M | $49.9M | $30.3M | $6.5M | $311K | 1.11% | 3.46% | 0.00% |
| 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 | 8.6% | 4.1% | 79th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.20% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 4,676 |
Loan mix (Q1 2026): real estate $12.3M · commercial $0 · consumer $17.5M · securities $19.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.3% | 81.5% | 31th |
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.