| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.3% | +1.3% | +8.0 pts |
| Share growth (YoY) | +9.8% | +0.7% | +9.1 pts |
| Loan growth (YoY) | -3.4% | -2.4% | -1.1 pts |
| ROA | 1.37% | 0.60% | +0.8 pts |
| ROE | 8.3% | 4.1% | +4.2 pts |
ROA ranks in the 82nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $27.1M | $22.6M | $7.2M | $4.5M | $93K | 1.37% | 3.19% | 1.38% | 1,769 |
| Q4 2025 | $25.9M | $21.6M | $7.3M | $4.4M | $251K | 0.97% | 3.12% | 2.12% | 1,763 |
| Q3 2025 | $25.1M | $20.8M | $7.4M | $4.2M | $159K | 0.84% | 3.16% | 2.02% | 1,849 |
| Q2 2025 | $25.0M | $20.8M | $7.6M | $4.2M | $159K | 1.27% | 3.08% | 2.48% | 1,833 |
| Q1 2025 | $24.8M | $20.6M | $7.4M | $4.2M | $73K | 1.18% | 3.02% | 2.41% | 1,828 |
| Q4 2024 | $24.1M | $20.0M | $7.8M | $4.1M | $321K | 1.33% | 3.09% | 2.82% | 1,834 |
| Q3 2024 | $24.5M | $20.4M | $7.7M | $4.0M | $250K | 1.36% | 3.03% | 2.04% | 1,839 |
| Q2 2024 | $24.6M | $20.7M | $7.9M | $3.9M | $164K | 1.33% | 2.98% | 0.65% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.37% | 0.60% | 82th | |
Return on equity Annualized net income ÷ equity or net worth | 8.3% | 4.1% | 78th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.19% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,840 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $5.3M · securities $18.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 60.5% | 81.5% | 13th |
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.