| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.3% | +1.3% | +2.0 pts |
| Share growth (YoY) | +2.9% | +0.7% | +2.2 pts |
| Loan growth (YoY) | +10.4% | -2.4% | +12.7 pts |
| ROA | 0.32% | 0.60% | -0.3 pts |
| ROE | 1.5% | 4.1% | -2.6 pts |
ROA ranks in the 36th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $12.5M | $9.7M | $9.5M | $2.6M | $10K | 0.32% | 1.97% | 0.40% | 1,252 |
| Q4 2025 | $12.1M | $9.4M | $9.7M | $2.6M | $39K | 0.33% | 2.13% | 0.21% | 1,187 |
| Q3 2025 | $12.1M | $9.4M | $9.2M | $2.6M | $43K | 0.47% | 2.21% | 0.39% | 1,183 |
| Q2 2025 | $12.4M | $9.5M | $9.0M | $2.6M | $35K | 0.56% | 2.22% | 0.46% | 1,184 |
| Q1 2025 | $12.1M | $9.4M | $8.6M | $2.6M | $18K | 0.59% | 2.48% | 0.37% | 1,189 |
| Q4 2024 | $12.2M | $9.4M | $8.2M | $2.6M | $53K | 0.43% | 2.48% | 0.53% | 1,174 |
| Q3 2024 | $12.1M | $9.4M | $7.5M | $2.6M | $59K | 0.66% | 2.60% | 0.32% | 1,159 |
| Q2 2024 | $12.2M | $9.5M | $7.0M | $2.6M | $40K | 0.66% | 2.59% | 0.63% | 1,212 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.32% | 0.60% | 36th | |
Return on equity Annualized net income ÷ equity or net worth | 1.5% | 4.1% | 31th | |
Net interest margin Interest income − interest expense, ÷ assets | 1.97% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $9.4M · securities $1.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 87.0% | 81.5% | 63th |
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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