| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.9% | +1.3% | +0.6 pts |
| Share growth (YoY) | +0.9% | +0.7% | +0.2 pts |
| Loan growth (YoY) | -3.3% | -2.4% | -0.9 pts |
| ROA | 0.71% | 0.60% | +0.1 pts |
| ROE | 4.3% | 4.1% | +0.2 pts |
ROA ranks in the 56th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $9.1M | $7.5M | $5.7M | $1.5M | $16K | 0.71% | 4.55% | 0.27% | 1,224 |
| Q4 2025 | $8.8M | $7.2M | $5.5M | $1.5M | $95K | 1.08% | 4.73% | 0.36% | 1,209 |
| Q3 2025 | $8.7M | $7.2M | $5.6M | $1.5M | $78K | 1.20% | 4.81% | 0.05% | 1,225 |
| Q2 2025 | $8.7M | $7.2M | $6.0M | $1.4M | $46K | 1.06% | 4.72% | 0.55% | 1,245 |
| Q1 2025 | $8.9M | $7.4M | $5.9M | $1.4M | $13K | 0.58% | 4.38% | 0.00% | 1,230 |
| Q4 2024 | $8.6M | $7.1M | $6.2M | $1.4M | $33K | 0.38% | 4.37% | 0.52% | 1,238 |
| Q3 2024 | $8.6M | $7.1M | $6.6M | $1.4M | $68K | 1.05% | 4.29% | 1.15% | 1,263 |
| Q2 2024 | $8.4M | $6.9M | $6.8M | $1.4M | $39K | 0.93% | 4.24% | 0.69% | 1,277 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.71% | 0.60% | 56th | |
Return on equity Annualized net income ÷ equity or net worth | 4.3% | 4.1% | 52th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.55% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $4.3M · securities $1.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 87.3% | 81.5% | 64th |
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% |
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