| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +12.5% | +1.3% | +11.2 pts |
| Share growth (YoY) | +13.3% | +0.7% | +12.7 pts |
| Loan growth (YoY) | +5.0% | -2.4% | +7.3 pts |
| ROA | 0.05% | 0.60% | -0.6 pts |
| ROE | 0.4% | 4.1% | -3.7 pts |
ROA ranks in the 23rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $34.8M | $30.8M | $25.9M | $4.0M | $4K | 0.05% | 3.84% | 0.80% | 1,957 |
| Q4 2025 | $33.2M | $29.2M | $24.8M | $4.0M | $56K | 0.17% | 4.09% | 0.19% | 1,996 |
| Q3 2025 | $33.0M | $29.0M | $24.4M | $4.0M | $207K | 0.84% | 4.09% | 0.11% | 1,938 |
| Q2 2025 | $31.5M | $27.6M | $25.3M | $3.8M | $242K | 1.54% | 4.22% | 0.65% | 1,929 |
| Q1 2025 | $30.9M | $27.2M | $24.7M | $3.7M | $95K | 1.23% | 4.13% | 0.75% | 1,890 |
| Q4 2024 | $29.8M | $26.2M | $24.7M | $3.6M | $463K | 1.55% | 3.84% | 0.26% | 1,864 |
| Q3 2024 | $28.6M | $25.2M | $24.8M | $3.4M | $268K | 1.25% | 3.86% | 0.17% | 1,847 |
| Q2 2024 | $28.9M | $25.5M | $25.0M | $3.4M | $166K | 1.15% | 3.66% | 0.17% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.05% | 0.60% | 23th | |
Return on equity Annualized net income ÷ equity or net worth | 0.4% | 4.1% | 24th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.84% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,817 |
Loan mix (Q1 2026): real estate $13.9M · commercial $0 · consumer $11.7M · securities $4.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.4% | 81.5% | 20th |
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.