| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.0% | +1.3% | +0.7 pts |
| Share growth (YoY) | +0.6% | +0.7% | -0.0 pts |
| Loan growth (YoY) | -4.2% | -2.4% | -1.8 pts |
| ROA | 0.98% | 0.60% | +0.4 pts |
| ROE | 7.7% | 4.1% | +3.6 pts |
ROA ranks in the 68th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $75.0M | $66.7M | $26.4M | $9.5M | $183K | 0.98% | 2.94% | 1.73% | 4,023 |
| Q4 2025 | $73.3M | $65.2M | $27.1M | $9.4M | $483K | 0.66% | 3.02% | 1.48% | 3,850 |
| Q3 2025 | $75.9M | $67.9M | $27.7M | $9.3M | $416K | 0.73% | 2.97% | 1.42% | 4,106 |
| Q2 2025 | $76.9M | $69.3M | $27.1M | $9.1M | $266K | 0.69% | 2.80% | 1.41% | 4,163 |
| Q1 2025 | $73.5M | $66.3M | $27.6M | $9.0M | $149K | 0.81% | 3.02% | 1.40% | 4,436 |
| Q4 2024 | $72.0M | $65.3M | $28.1M | $8.9M | $832K | 1.16% | 3.46% | 2.07% | 4,581 |
| Q3 2024 | $72.3M | $65.3M | $28.2M | $8.8M | $740K | 1.37% | 3.48% | 3.33% | 4,744 |
| Q2 2024 | $73.0M | $66.9M | $28.8M | $8.7M | $567K | 1.55% | 3.64% | 3.25% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.98% | 0.60% | 68th | |
Return on equity Annualized net income ÷ equity or net worth | 7.7% | 4.1% | 74th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.94% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 4,892 |
Loan mix (Q1 2026): real estate $22.0M · commercial $397K · consumer $3.1M · securities $38.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.2% | 81.5% | 38th |
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.