| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.7% | +1.3% | +0.4 pts |
| Share growth (YoY) | +0.6% | +0.7% | -0.0 pts |
| Loan growth (YoY) | +1.6% | -2.4% | +4.0 pts |
| ROA | 0.97% | 0.60% | +0.4 pts |
| ROE | 4.6% | 4.1% | +0.5 pts |
ROA ranks in the 68th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $10.3M | $8.1M | $4.9M | $2.2M | $25K | 0.97% | 3.76% | 0.00% | 1,194 |
| Q4 2025 | $10.1M | $7.9M | $4.8M | $2.2M | $127K | 1.26% | 3.98% | 0.00% | 1,193 |
| Q3 2025 | $10.2M | $8.1M | $4.7M | $2.1M | $108K | 1.41% | 3.97% | 0.00% | 1,199 |
| Q2 2025 | $10.2M | $8.1M | $4.7M | $2.1M | $74K | 1.44% | 3.91% | 0.47% | 1,200 |
| Q1 2025 | $10.1M | $8.1M | $4.8M | $2.1M | $26K | 1.01% | 3.53% | 0.00% | 1,201 |
| Q4 2024 | $10.4M | $8.3M | $4.9M | $2.0M | $114K | 1.10% | 3.89% | 0.00% | 1,195 |
| Q3 2024 | $10.2M | $8.2M | $4.8M | $2.0M | $84K | 1.09% | 3.82% | 0.00% | 1,183 |
| Q2 2024 | $10.2M | $8.2M | $4.8M | $2.0M | $43K | 0.84% | 3.84% | 0.35% | 1,157 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.97% | 0.60% | 68th | |
Return on equity Annualized net income ÷ equity or net worth | 4.6% | 4.1% | 54th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.76% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $4.2M · securities $2.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.1% | 81.5% | 41th |
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% |
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