| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +13.9% | +1.3% | +12.6 pts |
| Share growth (YoY) | +14.2% | +0.7% | +13.5 pts |
| Loan growth (YoY) | -3.9% | -2.4% | -1.5 pts |
| ROA | 1.16% | 0.60% | +0.6 pts |
| ROE | 9.5% | 4.1% | +5.4 pts |
ROA ranks in the 75th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $33.6M | $28.1M | $19.2M | $4.1M | $97K | 1.16% | 3.83% | 0.53% | 3,589 |
| Q4 2025 | $33.9M | $28.6M | $19.7M | $4.0M | $298K | 0.88% | 3.38% | 0.48% | 3,591 |
| Q3 2025 | $33.1M | $28.1M | $20.1M | $3.9M | $169K | 0.68% | 3.18% | 0.76% | 3,590 |
| Q2 2025 | $31.1M | $26.2M | $19.5M | $3.8M | $63K | 0.41% | 3.12% | 0.53% | 3,580 |
| Q1 2025 | $29.5M | $24.6M | $20.0M | $3.7M | $-40K | -0.54% | 2.41% | 0.43% | 3,557 |
| Q4 2024 | $28.9M | $24.1M | $20.7M | $3.7M | $472K | 1.64% | 4.42% | 0.37% | 3,597 |
| Q3 2024 | $28.0M | $23.2M | $21.2M | $3.5M | $289K | 1.37% | 4.26% | 0.74% | 3,599 |
| Q2 2024 | $28.7M | $23.8M | $21.7M | $3.4M | $197K | 1.37% | 4.13% | 0.79% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.16% | 0.60% | 75th | |
Return on equity Annualized net income ÷ equity or net worth | 9.5% | 4.1% | 82th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.83% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,584 |
Loan mix (Q1 2026): real estate $8.5M · commercial $41K · consumer $10.6M · securities $7.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.0% | 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.