| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.4% | +1.3% | +6.1 pts |
| Share growth (YoY) | +7.2% | +0.7% | +6.6 pts |
| Loan growth (YoY) | -2.7% | -2.4% | -0.4 pts |
| ROA | 0.99% | 0.60% | +0.4 pts |
| ROE | 6.4% | 4.1% | +2.3 pts |
ROA ranks in the 68th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $9.3M | $7.8M | $6.6M | $1.4M | $23K | 0.99% | 4.04% | 0.93% | 752 |
| Q4 2025 | $8.9M | $7.5M | $6.7M | $1.4M | $88K | 0.98% | 4.13% | 0.34% | 752 |
| Q3 2025 | $8.8M | $7.4M | $7.1M | $1.4M | $59K | 0.90% | 4.04% | 0.30% | 754 |
| Q2 2025 | $9.0M | $7.6M | $7.0M | $1.4M | $32K | 0.71% | 3.90% | 0.31% | 751 |
| Q1 2025 | $8.7M | $7.3M | $6.8M | $1.3M | $16K | 0.75% | 4.01% | 0.00% | 752 |
| Q4 2024 | $8.4M | $7.0M | $7.1M | $1.3M | $38K | 0.45% | 3.87% | 0.00% | 762 |
| Q3 2024 | $8.3M | $7.0M | $6.9M | $1.3M | $25K | 0.41% | 3.73% | 0.12% | 761 |
| Q2 2024 | $8.6M | $7.3M | $6.7M | $1.3M | $19K | 0.45% | 3.65% | 0.00% | 749 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.99% | 0.60% | 68th | |
Return on equity Annualized net income ÷ equity or net worth | 6.4% | 4.1% | 66th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.04% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $1.3M · commercial $0 · consumer $5.0M · securities $1.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.5% | 81.5% | 36th |
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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