| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.0% | +1.3% | +0.7 pts |
| Share growth (YoY) | +1.3% | +0.7% | +0.6 pts |
| Loan growth (YoY) | -10.8% | -2.4% | -8.4 pts |
| ROA | 1.63% | 0.60% | +1.0 pts |
| ROE | 8.6% | 4.1% | +4.5 pts |
ROA ranks in the 88th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $37.2M | $30.1M | $14.8M | $7.0M | $151K | 1.63% | 4.09% | 1.33% | 4,281 |
| Q4 2025 | $37.7M | $30.7M | $15.0M | $6.8M | $1.0M | 2.65% | 4.12% | 1.28% | 4,283 |
| Q3 2025 | $36.0M | $29.0M | $15.4M | $6.7M | $771K | 2.86% | 4.32% | 0.54% | 4,331 |
| Q2 2025 | $36.4M | $29.6M | $15.9M | $6.5M | $528K | 2.90% | 4.23% | 0.72% | 4,367 |
| Q1 2025 | $36.5M | $29.7M | $16.5M | $6.2M | $300K | 3.29% | 4.20% | 0.54% | 4,386 |
| Q4 2024 | $36.8M | $29.9M | $16.9M | $5.9M | $818K | 2.23% | 4.36% | 0.84% | 4,302 |
| Q3 2024 | $35.7M | $28.8M | $17.1M | $6.0M | $782K | 2.92% | 4.55% | 0.87% | 4,298 |
| Q2 2024 | $36.3M | $29.6M | $17.3M | $5.7M | $519K | 2.86% | 4.51% | 0.59% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.63% | 0.60% | 88th | |
Return on equity Annualized net income ÷ equity or net worth | 8.6% | 4.1% | 79th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.09% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 4,326 |
Loan mix (Q1 2026): real estate $8.1M · commercial $0 · consumer $5.9M · securities $7.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.9% | 81.5% | 33th |
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.