| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.7% | +1.3% | -0.6 pts |
| Share growth (YoY) | +1.4% | +0.7% | +0.8 pts |
| Loan growth (YoY) | +11.1% | -2.4% | +13.5 pts |
| ROA | 0.17% | 0.60% | -0.4 pts |
| ROE | 1.4% | 4.1% | -2.7 pts |
ROA ranks in the 28th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $3.4M | $2.9M | $1.0M | $415K | $1K | 0.17% | 3.32% | 0.00% | 3,531 |
| Q4 2025 | $3.1M | $2.6M | $1.1M | $413K | $7K | 0.22% | 3.96% | 0.00% | 3,527 |
| Q3 2025 | $3.3M | $2.8M | $1.1M | $412K | $6K | 0.23% | 3.81% | 0.00% | 3,531 |
| Q2 2025 | $3.2M | $2.7M | $1.1M | $411K | $4K | 0.26% | 3.85% | 0.03% | 3,542 |
| Q1 2025 | $3.3M | $2.9M | $923K | $408K | $2K | 0.18% | 3.48% | 0.14% | 3,524 |
| Q4 2024 | $3.2M | $2.8M | $948K | $407K | $1K | 0.05% | 3.85% | 0.26% | 3,554 |
| Q3 2024 | $3.0M | $2.6M | $1.0M | $406K | $989 | 0.04% | 4.03% | 0.31% | 3,563 |
| Q2 2024 | $3.0M | $2.6M | $1.1M | $405K | $3K | 0.19% | 4.00% | 0.13% | 3,563 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.17% | 0.60% | 28th | |
Return on equity Annualized net income ÷ equity or net worth | 1.4% | 4.1% | 30th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.32% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $991K · commercial $0 · consumer $34K · securities $403K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 98.4% | 81.5% | 83th |
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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