| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.3% | +1.3% | -1.0 pts |
| Share growth (YoY) | -1.2% | +0.7% | -1.8 pts |
| Loan growth (YoY) | -4.7% | -2.4% | -2.3 pts |
| ROA | 1.35% | 0.60% | +0.7 pts |
| ROE | 5.6% | 4.1% | +1.5 pts |
ROA ranks in the 81st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $63.0M | $47.7M | $30.0M | $15.3M | $213K | 1.35% | 4.06% | 1.36% | 4,778 |
| Q4 2025 | $62.8M | $47.7M | $31.0M | $15.0M | $788K | 1.25% | 4.29% | 2.51% | 4,802 |
| Q3 2025 | $62.8M | $47.8M | $31.4M | $14.9M | $628K | 1.33% | 4.33% | 2.26% | 4,867 |
| Q2 2025 | $62.7M | $48.0M | $30.7M | $14.7M | $414K | 1.32% | 4.33% | 2.36% | 4,902 |
| Q1 2025 | $62.8M | $48.3M | $31.5M | $14.5M | $220K | 1.40% | 4.29% | 2.12% | 4,949 |
| Q4 2024 | $61.8M | $47.5M | $32.7M | $14.3M | $831K | 1.34% | 4.33% | 2.44% | 4,969 |
| Q3 2024 | $62.8M | $48.6M | $33.0M | $14.2M | $701K | 1.49% | 4.22% | 2.42% | 4,494 |
| Q2 2024 | $62.4M | $48.4M | $33.4M | $14.0M | $504K | 1.62% | 4.15% | 2.83% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.35% | 0.60% | 81th | |
Return on equity Annualized net income ÷ equity or net worth | 5.6% | 4.1% | 61th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.06% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 5,030 |
Loan mix (Q1 2026): real estate $5.8M · commercial $0 · consumer $21.0M · securities $23.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.9% | 81.5% | 33th |
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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