| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.1% | +1.3% | +4.8 pts |
| Share growth (YoY) | +5.6% | +0.7% | +5.0 pts |
| Loan growth (YoY) | -5.1% | -2.4% | -2.8 pts |
| ROA | 1.01% | 0.60% | +0.4 pts |
| ROE | 7.3% | 4.1% | +3.2 pts |
ROA ranks in the 69th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $89.5M | $76.3M | $36.4M | $12.3M | $226K | 1.01% | 3.31% | 0.41% | 6,071 |
| Q4 2025 | $88.6M | $75.9M | $36.8M | $12.1M | $1.2M | 1.32% | 3.46% | 0.49% | 6,076 |
| Q3 2025 | $88.8M | $76.2M | $37.8M | $11.9M | $934K | 1.40% | 3.45% | 0.25% | 6,082 |
| Q2 2025 | $89.8M | $77.5M | $38.6M | $11.5M | $616K | 1.37% | 3.33% | 0.21% | 6,222 |
| Q1 2025 | $84.4M | $72.3M | $38.4M | $11.2M | $270K | 1.28% | 3.35% | 0.23% | 6,214 |
| Q4 2024 | $80.8M | $69.1M | $38.7M | $10.9M | $1.0M | 1.29% | 3.41% | 0.73% | 6,220 |
| Q3 2024 | $80.9M | $69.5M | $38.8M | $10.7M | $792K | 1.31% | 3.37% | 0.77% | 6,244 |
| Q2 2024 | $81.1M | $69.7M | $38.4M | $10.4M | $498K | 1.23% | 3.28% | 0.25% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.01% | 0.60% | 69th | |
Return on equity Annualized net income ÷ equity or net worth | 7.3% | 4.1% | 72th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.31% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 5,394 |
Loan mix (Q1 2026): real estate $15.6M · commercial $0 · consumer $20.2M · securities $27.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.2% | 81.5% | 31th |
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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