| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.8% | +1.3% | -2.1 pts |
| Share growth (YoY) | -3.2% | +0.7% | -3.9 pts |
| Loan growth (YoY) | +49.7% | -2.4% | +52.1 pts |
| ROA | 2.60% | 0.60% | +2.0 pts |
| ROE | 8.6% | 4.1% | +4.5 pts |
ROA ranks in the 97th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $15.8M | $10.4M | $5.4M | $4.8M | $103K | 2.60% | 3.12% | 0.00% | 930 |
| Q4 2025 | $15.7M | $10.4M | $5.2M | $4.7M | $105K | 0.67% | 3.53% | 0.00% | 927 |
| Q3 2025 | $15.3M | $10.0M | $4.4M | $4.9M | $157K | 1.36% | 3.62% | 0.00% | 998 |
| Q2 2025 | $16.3M | $10.4M | $4.4M | $6.3M | $132K | 1.62% | 3.35% | 0.01% | 1,009 |
| Q1 2025 | $15.9M | $10.7M | $3.6M | $4.9M | $33K | 0.83% | 3.77% | 0.00% | 1,025 |
| Q4 2024 | $15.9M | $10.7M | $3.7M | $5.0M | $273K | 1.72% | 3.68% | 0.00% | 1,026 |
| Q3 2024 | $15.3M | $10.1M | $2.9M | $4.8M | $133K | 1.16% | 3.81% | 0.00% | 1,023 |
| Q2 2024 | $15.7M | $10.5M | $2.7M | $4.8M | $48K | 0.61% | 3.91% | 0.00% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.60% | 0.60% | 97th | |
Return on equity Annualized net income ÷ equity or net worth | 8.6% | 4.1% | 79th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.12% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,018 |
Loan mix (Q1 2026): real estate $4.1M · commercial $326K · consumer $524K · securities $8.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.8% | 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.