| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.5% | +1.3% | +1.2 pts |
| Share growth (YoY) | +1.6% | +0.7% | +0.9 pts |
| Loan growth (YoY) | -8.2% | -2.4% | -5.9 pts |
| ROA | 0.58% | 0.60% | -0.0 pts |
| ROE | 6.9% | 4.1% | +2.8 pts |
ROA ranks in the 49th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $43.5M | $40.6M | $31.5M | $3.7M | $63K | 0.58% | 3.67% | 0.46% | 2,980 |
| Q4 2025 | $42.9M | $39.5M | $32.5M | $3.6M | $461K | 1.07% | 3.53% | 1.24% | 2,957 |
| Q3 2025 | $43.0M | $40.0M | $33.8M | $3.6M | $371K | 1.15% | 4.02% | 2.84% | 2,946 |
| Q2 2025 | $43.2M | $40.1M | $34.2M | $3.4M | $289K | 1.34% | 3.98% | 2.48% | 2,919 |
| Q1 2025 | $42.4M | $40.0M | $34.4M | $3.1M | $70K | 0.66% | 3.31% | 3.01% | 2,883 |
| Q4 2024 | $41.7M | $39.2M | $34.7M | $3.1M | $265K | 0.64% | 2.92% | 3.36% | 2,844 |
| Q3 2024 | $43.5M | $41.0M | $34.6M | $3.1M | $193K | 0.59% | 2.71% | 3.15% | 2,813 |
| Q2 2024 | $43.0M | $40.9M | $34.2M | $3.0M | $-47K | -0.22% | 2.62% | 2.66% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.58% | 0.60% | 49th | |
Return on equity Annualized net income ÷ equity or net worth | 6.9% | 4.1% | 70th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.67% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,784 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $27.3M · securities $8.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 58.4% | 81.5% | 10th |
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.