| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.7% | +1.3% | +0.4 pts |
| Share growth (YoY) | +0.5% | +0.7% | -0.1 pts |
| Loan growth (YoY) | -8.7% | -2.4% | -6.4 pts |
| ROA | 0.90% | 0.60% | +0.3 pts |
| ROE | 4.7% | 4.1% | +0.6 pts |
ROA ranks in the 65th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $23.8M | $19.2M | $13.2M | $4.5M | $54K | 0.90% | 4.59% | 0.36% | 2,088 |
| Q4 2025 | $23.3M | $18.8M | $13.8M | $4.5M | $124K | 0.53% | 5.03% | 1.24% | 2,097 |
| Q3 2025 | $22.9M | $18.5M | $14.5M | $4.4M | $79K | 0.46% | 5.16% | 1.17% | 2,102 |
| Q2 2025 | $22.9M | $18.6M | $14.2M | $4.4M | $46K | 0.40% | 5.12% | 1.80% | 2,085 |
| Q1 2025 | $23.4M | $19.1M | $14.4M | $4.4M | $11K | 0.18% | 4.98% | 1.25% | 2,084 |
| Q4 2024 | $22.5M | $18.5M | $14.8M | $4.3M | $262K | 1.16% | 5.50% | 1.88% | 2,062 |
| Q3 2024 | $22.5M | $18.6M | $15.6M | $4.3M | $195K | 1.16% | 5.51% | 1.37% | 2,045 |
| Q2 2024 | $22.7M | $18.9M | $15.5M | $4.2M | $102K | 0.90% | 5.41% | 1.33% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.90% | 0.60% | 65th | |
Return on equity Annualized net income ÷ equity or net worth | 4.7% | 4.1% | 55th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.59% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,096 |
Loan mix (Q1 2026): real estate $482K · commercial $0 · consumer $10.7M · securities $3.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.6% | 81.5% | 55th |
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.