| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.7% | +1.3% | +1.4 pts |
| Share growth (YoY) | +2.7% | +0.7% | +2.1 pts |
| Loan growth (YoY) | -6.3% | -2.4% | -3.9 pts |
| ROA | 2.13% | 0.60% | +1.5 pts |
| ROE | 13.5% | 4.1% | +9.4 pts |
ROA ranks in the 95th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $11.0M | $9.2M | $5.8M | $1.7M | $58K | 2.13% | 3.65% | 0.00% | 852 |
| Q4 2025 | $10.8M | $9.1M | $6.0M | $1.7M | $37K | 0.34% | 1.89% | 0.07% | 858 |
| Q3 2025 | $10.8M | $8.9M | $6.3M | $1.8M | $185K | 2.29% | 3.84% | 0.03% | 859 |
| Q2 2025 | $10.8M | $9.0M | $6.5M | $1.8M | $122K | 2.25% | 3.79% | 0.00% | 870 |
| Q1 2025 | $10.7M | $8.9M | $6.2M | $1.7M | $55K | 2.06% | 3.75% | 0.05% | 877 |
| Q4 2024 | $10.5M | $8.8M | $6.3M | $1.6M | $29K | 0.27% | 2.02% | 0.65% | 879 |
| Q3 2024 | $10.6M | $8.8M | $6.4M | $1.8M | $148K | 1.86% | 3.48% | 0.00% | 893 |
| Q2 2024 | $10.3M | $8.6M | $6.5M | $1.7M | $99K | 1.93% | 3.55% | 0.06% | 897 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.13% | 0.60% | 95th | |
Return on equity Annualized net income ÷ equity or net worth | 13.5% | 4.1% | 94th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.65% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $5.6M · securities $4.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 42.7% | 81.5% | 3th |
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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