| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.3% | +1.3% | +7.0 pts |
| Share growth (YoY) | +8.9% | +0.7% | +8.2 pts |
| Loan growth (YoY) | +0.0% | -2.4% | +2.4 pts |
| ROA | 1.18% | 0.60% | +0.6 pts |
| ROE | 6.6% | 4.1% | +2.5 pts |
ROA ranks in the 76th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $11.1M | $9.1M | $4.1M | $2.0M | $33K | 1.18% | 3.79% | 3.90% | 1,069 |
| Q4 2025 | $10.9M | $8.9M | $4.2M | $1.9M | $145K | 1.34% | 3.87% | 4.18% | 1,068 |
| Q3 2025 | $10.1M | $8.2M | $4.5M | $1.9M | $88K | 1.16% | 4.10% | 4.36% | 1,077 |
| Q2 2025 | $10.1M | $8.2M | $4.1M | $1.9M | $70K | 1.39% | 4.34% | 5.20% | 1,083 |
| Q1 2025 | $10.2M | $8.4M | $4.1M | $1.8M | $17K | 0.66% | 3.70% | 2.64% | 1,075 |
| Q4 2024 | $9.9M | $8.1M | $4.2M | $1.8M | $90K | 0.91% | 3.75% | 1.41% | 1,074 |
| Q3 2024 | $9.8M | $8.0M | $4.3M | $1.7M | $65K | 0.89% | 3.99% | 1.90% | 1,070 |
| Q2 2024 | $9.3M | $7.5M | $4.4M | $1.7M | $48K | 1.04% | 4.14% | 1.87% | 1,084 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.18% | 0.60% | 76th | |
Return on equity Annualized net income ÷ equity or net worth | 6.6% | 4.1% | 68th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.79% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $4.1M · securities $5.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.7% | 81.5% | 25th |
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.