| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.8% | +1.3% | -0.5 pts |
| Share growth (YoY) | -0.7% | +0.7% | -1.4 pts |
| Loan growth (YoY) | -8.1% | -2.4% | -5.7 pts |
| ROA | 1.52% | 0.60% | +0.9 pts |
| ROE | 11.2% | 4.1% | +7.1 pts |
ROA ranks in the 86th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $31.4M | $27.0M | $5.3M | $4.3M | $120K | 1.52% | 3.66% | 0.46% | 1,974 |
| Q4 2025 | $30.6M | $26.4M | $5.5M | $4.1M | $394K | 1.29% | 3.51% | 0.20% | 1,989 |
| Q3 2025 | $30.7M | $26.6M | $5.6M | $4.0M | $289K | 1.25% | 3.43% | 0.11% | 2,006 |
| Q2 2025 | $30.7M | $26.7M | $5.9M | $3.9M | $174K | 1.13% | 3.33% | 0.46% | 2,027 |
| Q1 2025 | $31.2M | $27.3M | $5.8M | $3.8M | $77K | 0.99% | 3.19% | 0.65% | 2,055 |
| Q4 2024 | $30.5M | $26.7M | $6.1M | $3.8M | $220K | 0.72% | 2.93% | 0.47% | 2,071 |
| Q3 2024 | $31.0M | $27.2M | $6.3M | $3.7M | $151K | 0.65% | 2.76% | 0.05% | 2,072 |
| Q2 2024 | $31.5M | $27.8M | $6.3M | $3.6M | $62K | 0.39% | 2.47% | 0.00% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.52% | 0.60% | 86th | |
Return on equity Annualized net income ÷ equity or net worth | 11.2% | 4.1% | 89th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.66% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,453 |
Loan mix (Q1 2026): real estate $1.3M · commercial $0 · consumer $4.0M · securities $23.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.5% | 81.5% | 15th |
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.