| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.7% | +1.3% | -3.0 pts |
| Share growth (YoY) | -1.9% | +0.7% | -2.6 pts |
| Loan growth (YoY) | -2.1% | -2.4% | +0.3 pts |
| ROA | 1.88% | 0.60% | +1.3 pts |
| ROE | 9.5% | 4.1% | +5.4 pts |
ROA ranks in the 92nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $42.0M | $33.4M | $15.1M | $8.3M | $198K | 1.88% | 4.48% | 0.17% | 3,017 |
| Q4 2025 | $40.2M | $31.5M | $16.0M | $8.1M | $779K | 1.94% | 5.10% | 0.16% | 3,015 |
| Q3 2025 | $40.3M | $32.0M | $15.7M | $8.1M | $653K | 2.16% | 5.09% | 0.08% | 3,002 |
| Q2 2025 | $41.1M | $32.6M | $15.8M | $8.2M | $384K | 1.87% | 4.89% | 0.39% | 2,997 |
| Q1 2025 | $42.7M | $34.1M | $15.4M | $8.0M | $196K | 1.83% | 4.61% | 0.22% | 3,086 |
| Q4 2024 | $39.6M | $31.7M | $15.8M | $7.8M | $948K | 2.39% | 5.45% | 0.18% | 3,075 |
| Q3 2024 | $40.4M | $32.5M | $15.6M | $7.7M | $766K | 2.53% | 5.40% | 0.27% | 3,058 |
| Q2 2024 | $41.4M | $34.0M | $15.7M | $7.4M | $539K | 2.61% | 5.26% | 0.33% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.88% | 0.60% | 92th | |
Return on equity Annualized net income ÷ equity or net worth | 9.5% | 4.1% | 83th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.48% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,048 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $13.8M · securities $17.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.2% | 81.5% | 24th |
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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