| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +16.6% | +1.3% | +15.3 pts |
| Share growth (YoY) | +18.7% | +0.7% | +18.1 pts |
| Loan growth (YoY) | -4.7% | -2.4% | -2.4 pts |
| ROA | 0.58% | 0.60% | -0.0 pts |
| ROE | 7.0% | 4.1% | +2.9 pts |
ROA ranks in the 49th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $8.6M | $7.8M | $3.5M | $712K | $12K | 0.58% | 3.47% | 0.00% | 1,129 |
| Q4 2025 | $8.6M | $7.9M | $3.6M | $700K | $-28K | -0.32% | 2.97% | 0.19% | 1,134 |
| Q3 2025 | $7.4M | $6.7M | $3.7M | $689K | $-38K | -0.69% | 3.44% | 0.00% | 1,134 |
| Q2 2025 | $7.3M | $6.6M | $3.6M | $687K | $-40K | -1.10% | 3.55% | 0.00% | 1,145 |
| Q1 2025 | $7.3M | $6.6M | $3.6M | $731K | $3K | 0.18% | 3.53% | 1.63% | 1,146 |
| Q4 2024 | $8.0M | $7.3M | $3.8M | $728K | $-45K | -0.56% | 2.95% | 1.56% | 1,150 |
| Q3 2024 | $7.7M | $7.0M | $4.0M | $758K | $-27K | -0.47% | 3.00% | 1.49% | 1,156 |
| Q2 2024 | $8.1M | $6.7M | $4.2M | $777K | $-9K | -0.23% | 2.90% | 0.09% | 1,281 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.58% | 0.60% | 49th | |
Return on equity Annualized net income ÷ equity or net worth | 7.0% | 4.1% | 70th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.47% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $29K · commercial $0 · consumer $3.2M · securities $4.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 84.3% | 81.5% | 56th |
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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