| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +35.7% | +1.3% | +34.4 pts |
| Share growth (YoY) | +38.6% | +0.7% | +37.9 pts |
| Loan growth (YoY) | +13.7% | -2.4% | +16.1 pts |
| ROA | -0.58% | 0.60% | -1.2 pts |
| ROE | -6.4% | 4.1% | -10.5 pts |
ROA ranks in the 12th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $24.5M | $22.3M | $12.7M | $2.2M | $-35K | -0.58% | 4.27% | 3.07% | 3,084 |
| Q4 2025 | $24.6M | $22.3M | $13.0M | $2.3M | $318K | 1.29% | 3.02% | 1.25% | 3,165 |
| Q3 2025 | $18.7M | $16.6M | $11.2M | $1.9M | $-71K | -0.51% | 3.43% | 1.73% | 3,173 |
| Q2 2025 | $18.3M | $16.4M | $11.1M | $1.9M | $-46K | -0.51% | 3.51% | 3.33% | 2,157 |
| Q1 2025 | $18.0M | $16.1M | $11.2M | $1.9M | $-19K | -0.42% | 3.55% | 1.77% | 2,159 |
| Q4 2024 | $18.2M | $15.5M | $11.3M | $1.9M | $109K | 0.60% | 3.35% | 1.30% | 2,200 |
| Q3 2024 | $18.5M | $14.9M | $11.4M | $2.0M | $119K | 0.86% | 3.22% | 1.07% | 2,287 |
| Q2 2024 | $18.6M | $15.0M | $11.5M | $2.0M | $145K | 1.55% | 3.20% | 1.06% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.58% | 0.60% | 12th | |
Return on equity Annualized net income ÷ equity or net worth | -6.4% | 4.1% | 9th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.27% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,288 |
Loan mix (Q1 2026): real estate $8.1M · commercial $0 · consumer $4.1M · securities $10.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 111.8% | 81.5% | 92th |
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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