| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.3% | +1.3% | +3.0 pts |
| Share growth (YoY) | +3.6% | +0.7% | +2.9 pts |
| Loan growth (YoY) | -10.4% | -2.4% | -8.0 pts |
| ROA | 1.82% | 0.60% | +1.2 pts |
| ROE | 7.2% | 4.1% | +3.1 pts |
ROA ranks in the 91st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $34.1M | $25.4M | $8.0M | $8.6M | $155K | 1.82% | 3.36% | 0.00% | 2,980 |
| Q4 2025 | $33.5M | $25.0M | $8.5M | $8.5M | $462K | 1.38% | 2.96% | 0.00% | 2,995 |
| Q3 2025 | $32.8M | $24.5M | $9.0M | $8.3M | $308K | 1.25% | 2.89% | 0.05% | 2,993 |
| Q2 2025 | $32.4M | $24.2M | $9.0M | $8.2M | $170K | 1.05% | 2.84% | 0.08% | 3,001 |
| Q1 2025 | $32.7M | $24.6M | $9.0M | $8.1M | $90K | 1.10% | 2.72% | 0.11% | 2,991 |
| Q4 2024 | $31.8M | $23.8M | $9.3M | $8.0M | $243K | 0.76% | 2.27% | 0.15% | 2,986 |
| Q3 2024 | $32.9M | $24.9M | $9.4M | $7.9M | $173K | 0.70% | 2.10% | 0.18% | 2,998 |
| Q2 2024 | $33.1M | $25.3M | $10.1M | $7.8M | $94K | 0.57% | 1.94% | 0.23% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.82% | 0.60% | 91th | |
Return on equity Annualized net income ÷ equity or net worth | 7.2% | 4.1% | 71th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.36% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,087 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $7.6M · securities $21.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 47.7% | 81.5% | 4th |
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.