| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.2% | +1.3% | +0.9 pts |
| Share growth (YoY) | +1.2% | +0.7% | +0.5 pts |
| Loan growth (YoY) | -6.8% | -2.4% | -4.4 pts |
| ROA | 1.30% | 0.60% | +0.7 pts |
| ROE | 9.8% | 4.1% | +5.7 pts |
ROA ranks in the 80th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $51.6M | $44.5M | $25.6M | $6.8M | $168K | 1.30% | 4.76% | 0.98% | 3,768 |
| Q4 2025 | $50.5M | $43.4M | $26.4M | $6.7M | $687K | 1.36% | 5.02% | 0.56% | 3,744 |
| Q3 2025 | $49.4M | $42.3M | $27.6M | $6.6M | $641K | 1.73% | 5.17% | 0.89% | 3,722 |
| Q2 2025 | $50.9M | $44.1M | $27.6M | $6.4M | $379K | 1.49% | 4.88% | 1.10% | 3,671 |
| Q1 2025 | $50.5M | $44.0M | $27.4M | $6.3M | $257K | 2.04% | 4.85% | 0.89% | 3,621 |
| Q4 2024 | $50.5M | $44.3M | $27.5M | $6.0M | $495K | 0.98% | 4.54% | 0.84% | 3,580 |
| Q3 2024 | $51.9M | $45.7M | $27.3M | $5.8M | $324K | 0.83% | 4.36% | 0.60% | 3,563 |
| Q2 2024 | $50.0M | $44.0M | $26.8M | $5.6M | $109K | 0.43% | 4.47% | 0.55% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.30% | 0.60% | 80th | |
Return on equity Annualized net income ÷ equity or net worth | 9.8% | 4.1% | 84th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.76% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,537 |
Loan mix (Q1 2026): real estate $4.7M · commercial $0 · consumer $18.3M · securities $16.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.0% | 81.5% | 35th |
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.