| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.1% | +1.3% | +0.8 pts |
| Share growth (YoY) | +2.3% | +0.7% | +1.6 pts |
| Loan growth (YoY) | +15.2% | -2.4% | +17.6 pts |
| ROA | 0.01% | 0.60% | -0.6 pts |
| ROE | 0.0% | 4.1% | -4.1 pts |
ROA ranks in the 21st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $40.8M | $34.8M | $26.0M | $5.9M | $668 | 0.01% | 4.49% | 0.87% | 5,781 |
| Q4 2025 | $38.5M | $32.5M | $25.9M | $5.9M | $63K | 0.16% | 4.69% | 0.80% | 5,803 |
| Q3 2025 | $37.9M | $31.9M | $25.4M | $5.9M | $20K | 0.07% | 4.67% | 0.81% | 5,865 |
| Q2 2025 | $39.2M | $33.3M | $24.4M | $5.8M | $-19K | -0.10% | 4.41% | 0.89% | 5,822 |
| Q1 2025 | $40.0M | $34.0M | $22.5M | $5.8M | $-6K | -0.06% | 4.17% | 1.01% | 5,811 |
| Q4 2024 | $37.7M | $31.7M | $22.0M | $5.8M | $327K | 0.87% | 4.52% | 0.70% | 5,806 |
| Q3 2024 | $37.8M | $31.8M | $21.7M | $5.9M | $350K | 1.24% | 4.48% | 0.48% | 5,827 |
| Q2 2024 | $38.8M | $32.8M | $21.8M | $5.8M | $263K | 1.35% | 4.36% | 0.57% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.01% | 0.60% | 21th | |
Return on equity Annualized net income ÷ equity or net worth | 0.0% | 4.1% | 21th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.49% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 5,883 |
Loan mix (Q1 2026): real estate $6.0M · commercial $0 · consumer $19.0M · securities $3.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 94.7% | 81.5% | 78th |
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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