| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.6% | +1.3% | +0.3 pts |
| Share growth (YoY) | -0.2% | +0.7% | -0.9 pts |
| Loan growth (YoY) | -6.7% | -2.4% | -4.3 pts |
| ROA | 1.46% | 0.60% | +0.9 pts |
| ROE | 14.8% | 4.1% | +10.7 pts |
ROA ranks in the 84th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $55.2M | $50.1M | $24.2M | $5.5M | $202K | 1.46% | 4.30% | 1.77% | 3,902 |
| Q4 2025 | $54.8M | $49.8M | $24.9M | $5.3M | $819K | 1.49% | 4.31% | 1.72% | 3,938 |
| Q3 2025 | $55.6M | $50.8M | $25.6M | $5.2M | $677K | 1.62% | 4.33% | 1.61% | 3,746 |
| Q2 2025 | $54.8M | $50.4M | $26.4M | $4.9M | $437K | 1.59% | 4.31% | 1.88% | 3,977 |
| Q1 2025 | $54.3M | $50.2M | $26.0M | $4.7M | $206K | 1.51% | 4.22% | 1.19% | 4,010 |
| Q4 2024 | $52.1M | $48.5M | $25.9M | $4.5M | $786K | 1.51% | 4.14% | 2.35% | 4,053 |
| Q3 2024 | $52.9M | $49.3M | $25.7M | $4.4M | $617K | 1.56% | 4.02% | 1.91% | 4,094 |
| Q2 2024 | $52.3M | $49.4M | $26.2M | $4.2M | $413K | 1.58% | 3.98% | 1.58% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.46% | 0.60% | 84th | |
Return on equity Annualized net income ÷ equity or net worth | 14.8% | 4.1% | 96th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.30% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 4,125 |
Loan mix (Q1 2026): real estate $5.1M · commercial $0 · consumer $17.5M · securities $25.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.2% | 81.5% | 17th |
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.