| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.0% | +1.3% | +0.7 pts |
| Share growth (YoY) | +1.0% | +0.7% | +0.4 pts |
| Loan growth (YoY) | -3.4% | -2.4% | -1.1 pts |
| ROA | 0.93% | 0.60% | +0.3 pts |
| ROE | 7.7% | 4.1% | +3.6 pts |
ROA ranks in the 66th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $21.7M | $19.1M | $5.2M | $2.6M | $50K | 0.93% | 2.78% | 0.80% | 1,281 |
| Q4 2025 | $21.1M | $18.5M | $5.3M | $2.5M | $220K | 1.04% | 2.73% | 1.16% | 1,292 |
| Q3 2025 | $21.1M | $18.6M | $5.3M | $2.5M | $169K | 1.07% | 2.68% | 0.88% | 1,311 |
| Q2 2025 | $21.0M | $18.6M | $5.6M | $2.4M | $112K | 1.07% | 2.52% | 1.59% | 1,313 |
| Q1 2025 | $21.2M | $18.9M | $5.4M | $2.4M | $47K | 0.89% | 2.28% | 0.74% | 1,330 |
| Q4 2024 | $20.3M | $18.0M | $5.5M | $2.3M | $98K | 0.48% | 2.15% | 0.94% | 1,346 |
| Q3 2024 | $20.1M | $17.8M | $5.2M | $2.3M | $65K | 0.43% | 2.13% | 0.93% | 1,355 |
| Q2 2024 | $20.7M | $18.4M | $5.2M | $2.3M | $42K | 0.41% | 2.03% | 1.19% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.93% | 0.60% | 66th | |
Return on equity Annualized net income ÷ equity or net worth | 7.7% | 4.1% | 74th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.78% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,370 |
Loan mix (Q1 2026): real estate $2.7M · commercial $0 · consumer $2.4M · securities $13.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.4% | 81.5% | 22th |
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.