| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +14.9% | +1.3% | +13.6 pts |
| Share growth (YoY) | +16.6% | +0.7% | +15.9 pts |
| Loan growth (YoY) | -3.4% | -2.4% | -1.1 pts |
| ROA | 0.28% | 0.60% | -0.3 pts |
| ROE | 2.1% | 4.1% | -2.0 pts |
ROA ranks in the 34th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $66.7M | $57.4M | $39.6M | $9.1M | $47K | 0.28% | 2.98% | 1.32% | 2,917 |
| Q4 2025 | $66.6M | $57.4M | $40.3M | $9.0M | $585K | 0.88% | 3.00% | 1.54% | 2,920 |
| Q3 2025 | $63.4M | $54.3M | $41.3M | $9.0M | $522K | 1.10% | 3.15% | 1.20% | 2,901 |
| Q2 2025 | $60.7M | $51.7M | $41.1M | $8.8M | $397K | 1.31% | 3.25% | 1.46% | 2,895 |
| Q1 2025 | $58.0M | $49.3M | $41.0M | $8.6M | $179K | 1.23% | 3.28% | 1.40% | 2,882 |
| Q4 2024 | $52.6M | $44.0M | $40.2M | $8.4M | $642K | 1.22% | 3.68% | 1.26% | 2,860 |
| Q3 2024 | $52.3M | $43.9M | $40.3M | $8.3M | $468K | 1.19% | 3.68% | 1.21% | 3,002 |
| Q2 2024 | $51.5M | $43.1M | $39.7M | $8.1M | $348K | 1.35% | 3.67% | 1.02% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.28% | 0.60% | 34th | |
Return on equity Annualized net income ÷ equity or net worth | 2.1% | 4.1% | 35th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.98% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,820 |
Loan mix (Q1 2026): real estate $19.5M · commercial $0 · consumer $18.4M · securities $3.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.8% | 81.5% | 36th |
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.