| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.5% | +1.3% | +0.2 pts |
| Share growth (YoY) | +0.1% | +0.7% | -0.5 pts |
| Loan growth (YoY) | -1.6% | -2.4% | +0.7 pts |
| ROA | 1.52% | 0.60% | +0.9 pts |
| ROE | 7.9% | 4.1% | +3.8 pts |
ROA ranks in the 85th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $63.9M | $51.5M | $39.3M | $12.2M | $242K | 1.52% | 4.64% | 0.21% | 7,421 |
| Q4 2025 | $64.9M | $52.4M | $39.7M | $12.0M | $877K | 1.35% | 3.91% | 0.12% | 7,437 |
| Q3 2025 | $63.6M | $51.4M | $40.1M | $12.0M | $936K | 1.96% | 4.58% | 0.32% | 7,463 |
| Q2 2025 | $63.7M | $51.9M | $40.0M | $11.7M | $594K | 1.86% | 4.46% | 0.62% | 7,461 |
| Q1 2025 | $62.9M | $51.4M | $40.0M | $11.4M | $268K | 1.70% | 4.43% | 0.27% | 7,503 |
| Q4 2024 | $60.7M | $49.0M | $41.5M | $11.1M | $782K | 1.29% | 3.87% | 0.14% | 7,584 |
| Q3 2024 | $59.2M | $47.9M | $41.4M | $11.2M | $916K | 2.06% | 4.63% | 0.66% | 7,648 |
| Q2 2024 | $57.3M | $46.3M | $40.4M | $10.8M | $516K | 1.80% | 4.73% | 0.41% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.52% | 0.60% | 85th | |
Return on equity Annualized net income ÷ equity or net worth | 7.9% | 4.1% | 76th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.64% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 7,633 |
Loan mix (Q1 2026): real estate $19.0M · commercial $0 · consumer $20.3M · securities $18.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.1% | 81.5% | 18th |
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.