| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.5% | +1.3% | +4.2 pts |
| Share growth (YoY) | +4.1% | +0.7% | +3.4 pts |
| Loan growth (YoY) | -5.9% | -2.4% | -3.5 pts |
| ROA | 1.96% | 0.60% | +1.4 pts |
| ROE | 8.6% | 4.1% | +4.5 pts |
ROA ranks in the 93rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $66.1M | $50.9M | $13.8M | $15.1M | $324K | 1.96% | 3.65% | 0.06% | 3,036 |
| Q4 2025 | $65.1M | $50.2M | $14.2M | $14.8M | $1.6M | 2.40% | 3.92% | 0.06% | 3,049 |
| Q3 2025 | $65.3M | $50.7M | $14.6M | $14.4M | $1.2M | 2.35% | 3.83% | 0.07% | 3,075 |
| Q2 2025 | $64.3M | $50.1M | $14.8M | $14.0M | $735K | 2.29% | 3.82% | 0.24% | 3,065 |
| Q1 2025 | $62.6M | $48.9M | $14.7M | $13.6M | $347K | 2.22% | 3.69% | 0.12% | 3,086 |
| Q4 2024 | $61.1M | $47.6M | $14.6M | $13.2M | $1.5M | 2.38% | 3.97% | 0.19% | 3,090 |
| Q3 2024 | $61.8M | $48.7M | $15.1M | $12.9M | $1.1M | 2.41% | 3.88% | 0.07% | 3,086 |
| Q2 2024 | $59.5M | $46.9M | $14.7M | $12.5M | $703K | 2.36% | 3.90% | 0.12% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.96% | 0.60% | 93th | |
Return on equity Annualized net income ÷ equity or net worth | 8.6% | 4.1% | 79th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.65% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,093 |
Loan mix (Q1 2026): real estate $5.9M · commercial $0 · consumer $7.4M · securities $37.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 50.0% | 81.5% | 5th |
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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