| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.3% | +1.3% | +9.0 pts |
| Share growth (YoY) | +11.5% | +0.7% | +10.9 pts |
| Loan growth (YoY) | -13.5% | -2.4% | -11.1 pts |
| ROA | 0.79% | 0.60% | +0.2 pts |
| ROE | 4.0% | 4.1% | -0.1 pts |
ROA ranks in the 59th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $8.5M | $6.8M | $2.0M | $1.7M | $17K | 0.79% | 3.79% | 0.39% | 1,095 |
| Q4 2025 | $8.3M | $6.6M | $2.0M | $1.7M | $89K | 1.08% | 3.88% | 0.40% | 1,105 |
| Q3 2025 | $7.9M | $6.2M | $2.1M | $1.6M | $70K | 1.18% | 4.08% | 1.55% | 1,118 |
| Q2 2025 | $8.0M | $6.3M | $2.2M | $1.6M | $43K | 1.07% | 4.04% | 1.77% | 1,124 |
| Q1 2025 | $7.7M | $6.1M | $2.3M | $1.6M | $18K | 0.93% | 4.16% | 0.33% | 1,160 |
| Q4 2024 | $7.6M | $6.1M | $2.3M | $1.6M | $114K | 1.49% | 4.32% | 0.10% | 1,141 |
| Q3 2024 | $7.5M | $5.9M | $2.4M | $1.5M | $91K | 1.63% | 4.53% | 0.54% | 1,156 |
| Q2 2024 | $7.8M | $6.3M | $2.5M | $1.5M | $62K | 1.59% | 4.25% | 0.00% | 1,160 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.79% | 0.60% | 59th | |
Return on equity Annualized net income ÷ equity or net worth | 4.0% | 4.1% | 49th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.79% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $1.8M · securities $3.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 72.7% | 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% |
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