| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.0% | +1.3% | -2.3 pts |
| Share growth (YoY) | -4.5% | +0.7% | -5.2 pts |
| Loan growth (YoY) | -8.1% | -2.4% | -5.8 pts |
| ROA | 2.30% | 0.60% | +1.7 pts |
| ROE | 8.2% | 4.1% | +4.1 pts |
ROA ranks in the 96th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $13.1M | $9.4M | $7.5M | $3.7M | $75K | 2.30% | 4.36% | 3.93% | 1,391 |
| Q4 2025 | $12.8M | $9.2M | $7.7M | $3.6M | $300K | 2.34% | 4.76% | 4.31% | 1,388 |
| Q3 2025 | $13.2M | $9.6M | $7.9M | $3.5M | $218K | 2.20% | 4.57% | 3.24% | 1,389 |
| Q2 2025 | $13.2M | $9.7M | $8.0M | $3.5M | $164K | 2.48% | 4.68% | 2.20% | 1,400 |
| Q1 2025 | $13.2M | $9.8M | $8.1M | $3.4M | $73K | 2.22% | 4.54% | 2.15% | 1,403 |
| Q4 2024 | $13.3M | $10.0M | $8.3M | $3.3M | $231K | 1.73% | 4.35% | 2.09% | 1,399 |
| Q3 2024 | $13.2M | $9.9M | $8.3M | $3.2M | $165K | 1.67% | 4.30% | 1.31% | 1,401 |
| Q2 2024 | $13.0M | $9.8M | $8.2M | $3.2M | $101K | 1.54% | 4.15% | 1.17% | 1,393 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.30% | 0.60% | 96th | |
Return on equity Annualized net income ÷ equity or net worth | 8.2% | 4.1% | 77th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.36% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $6.5M · securities $2.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 50.6% | 81.5% | 5th |
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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