| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.5% | +1.3% | +2.2 pts |
| Share growth (YoY) | +3.4% | +0.7% | +2.7 pts |
| Loan growth (YoY) | -1.0% | -2.4% | +1.3 pts |
| ROA | 1.12% | 0.60% | +0.5 pts |
| ROE | 5.7% | 4.1% | +1.6 pts |
ROA ranks in the 74th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $14.0M | $11.2M | $6.2M | $2.7M | $39K | 1.12% | 3.88% | 3.33% | 1,173 |
| Q4 2025 | $13.6M | $10.8M | $6.3M | $2.7M | $90K | 0.67% | 3.62% | 2.87% | 1,179 |
| Q3 2025 | $13.5M | $10.7M | $6.4M | $2.7M | $118K | 1.17% | 4.23% | 4.35% | 1,183 |
| Q2 2025 | $13.4M | $10.7M | $6.5M | $2.7M | $67K | 1.00% | 4.23% | 3.34% | 1,192 |
| Q1 2025 | $13.5M | $10.8M | $6.3M | $2.6M | $30K | 0.88% | 4.10% | 4.48% | 1,197 |
| Q4 2024 | $12.8M | $10.2M | $6.4M | $2.6M | $38K | 0.29% | 3.60% | 5.21% | 1,191 |
| Q3 2024 | $12.5M | $9.8M | $6.4M | $2.6M | $86K | 0.92% | 4.10% | 3.96% | 1,188 |
| Q2 2024 | $12.2M | $9.6M | $6.5M | $2.6M | $45K | 0.74% | 3.99% | 3.82% | 1,198 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.12% | 0.60% | 74th | |
Return on equity Annualized net income ÷ equity or net worth | 5.7% | 4.1% | 62th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.88% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $6.1M · securities $6.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 72.8% | 81.5% | 30th |
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.