| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.8% | +1.3% | -0.5 pts |
| Share growth (YoY) | -1.4% | +0.7% | -2.1 pts |
| Loan growth (YoY) | -13.7% | -2.4% | -11.4 pts |
| ROA | 1.34% | 0.60% | +0.7 pts |
| ROE | 6.8% | 4.1% | +2.7 pts |
ROA ranks in the 81st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $26.7M | $21.3M | $6.7M | $5.3M | $90K | 1.34% | 4.13% | 0.47% | 1,995 |
| Q4 2025 | $27.0M | $21.7M | $7.2M | $5.2M | $547K | 2.02% | 4.60% | 0.49% | 2,001 |
| Q3 2025 | $26.5M | $21.4M | $7.7M | $5.1M | $407K | 2.05% | 4.53% | 0.48% | 2,011 |
| Q2 2025 | $26.1M | $21.1M | $7.9M | $4.9M | $284K | 2.17% | 4.75% | 0.52% | 2,025 |
| Q1 2025 | $26.5M | $21.6M | $7.8M | $4.8M | $120K | 1.81% | 4.27% | 0.67% | 2,026 |
| Q4 2024 | $25.6M | $20.9M | $7.9M | $4.6M | $463K | 1.81% | 4.63% | 0.73% | 2,032 |
| Q3 2024 | $25.7M | $21.1M | $7.9M | $4.5M | $327K | 1.70% | 4.40% | 0.63% | 2,047 |
| Q2 2024 | $25.9M | $21.4M | $8.0M | $4.4M | $207K | 1.60% | 4.36% | 0.55% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.34% | 0.60% | 81th | |
Return on equity Annualized net income ÷ equity or net worth | 6.8% | 4.1% | 69th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.13% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,053 |
Loan mix (Q1 2026): real estate $694K · commercial $0 · consumer $5.4M · securities $17.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.5% | 81.5% | 25th |
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.