| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.5% | +1.3% | +5.3 pts |
| Share growth (YoY) | +7.0% | +0.7% | +6.4 pts |
| Loan growth (YoY) | +5.1% | -2.4% | +7.5 pts |
| ROA | 0.37% | 0.60% | -0.2 pts |
| ROE | 3.2% | 4.1% | -0.9 pts |
ROA ranks in the 38th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $42.8M | $37.6M | $14.5M | $5.0M | $40K | 0.37% | 2.60% | 0.00% | 2,664 |
| Q4 2025 | $41.8M | $36.5M | $14.8M | $5.0M | $268K | 0.64% | 2.57% | 0.05% | 2,674 |
| Q3 2025 | $39.6M | $34.6M | $13.9M | $4.9M | $153K | 0.51% | 2.60% | 0.07% | 2,678 |
| Q2 2025 | $39.8M | $34.9M | $13.5M | $4.8M | $116K | 0.58% | 2.54% | 0.12% | 2,965 |
| Q1 2025 | $40.2M | $35.2M | $13.8M | $4.8M | $50K | 0.50% | 2.46% | 0.60% | 2,724 |
| Q4 2024 | $39.8M | $34.5M | $14.1M | $4.7M | $197K | 0.50% | 2.34% | 0.26% | 2,781 |
| Q3 2024 | $39.5M | $33.9M | $13.7M | $7.7M | $98K | 0.33% | 2.24% | 0.35% | 2,797 |
| Q2 2024 | $39.3M | $34.3M | $13.4M | $4.5M | $32K | 0.16% | 2.19% | 0.04% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.37% | 0.60% | 38th | |
Return on equity Annualized net income ÷ equity or net worth | 3.2% | 4.1% | 43th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.60% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,818 |
Loan mix (Q1 2026): real estate $6.7M · commercial $0 · consumer $6.3M · securities $25.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 87.1% | 81.5% | 63th |
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.