| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.7% | +1.3% | +2.4 pts |
| Share growth (YoY) | +2.9% | +0.7% | +2.3 pts |
| Loan growth (YoY) | +12.2% | -2.4% | +14.5 pts |
| ROA | 0.47% | 0.60% | -0.1 pts |
| ROE | 3.0% | 4.1% | -1.1 pts |
ROA ranks in the 43rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $21.1M | $17.6M | $10.4M | $3.3M | $25K | 0.47% | 4.01% | 0.00% | 1,381 |
| Q4 2025 | $20.2M | $16.8M | $10.4M | $3.3M | $187K | 0.93% | 4.17% | 0.00% | 1,356 |
| Q3 2025 | $20.0M | $16.6M | $9.9M | $3.3M | $146K | 0.97% | 4.16% | 0.00% | 1,367 |
| Q2 2025 | $20.1M | $16.5M | $9.3M | $3.2M | $99K | 0.99% | 4.09% | 0.00% | 1,355 |
| Q1 2025 | $20.4M | $17.1M | $9.3M | $3.2M | $53K | 1.03% | 4.04% | 0.35% | 1,368 |
| Q4 2024 | $19.7M | $16.4M | $9.4M | $3.1M | $208K | 1.05% | 3.95% | 0.47% | 1,355 |
| Q3 2024 | $20.0M | $16.8M | $9.7M | $3.1M | $162K | 1.08% | 3.83% | 0.48% | 1,351 |
| Q2 2024 | $19.8M | $16.5M | $9.9M | $3.1M | $108K | 1.09% | 3.80% | 0.00% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.47% | 0.60% | 43th | |
Return on equity Annualized net income ÷ equity or net worth | 3.0% | 4.1% | 42th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.01% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,309 |
Loan mix (Q1 2026): real estate $896K · commercial $0 · consumer $9.0M · securities $7.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 93.7% | 81.5% | 76th |
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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