| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.5% | +1.3% | +3.2 pts |
| Share growth (YoY) | +3.5% | +0.7% | +2.8 pts |
| Loan growth (YoY) | +5.5% | -2.4% | +7.8 pts |
| ROA | 0.44% | 0.60% | -0.2 pts |
| ROE | 3.6% | 4.1% | -0.5 pts |
ROA ranks in the 42nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $54.2M | $46.8M | $31.5M | $6.7M | $60K | 0.44% | 3.99% | 0.74% | 4,321 |
| Q4 2025 | $53.1M | $45.8M | $31.2M | $6.6M | $638K | 1.20% | 4.07% | 0.31% | 4,315 |
| Q3 2025 | $53.6M | $46.3M | $31.4M | $6.6M | $634K | 1.58% | 4.15% | 0.21% | 4,279 |
| Q2 2025 | $51.7M | $44.5M | $30.7M | $6.6M | $569K | 2.20% | 4.35% | 0.31% | 4,315 |
| Q1 2025 | $51.9M | $45.2M | $29.8M | $6.1M | $84K | 0.65% | 4.36% | 0.20% | 4,317 |
| Q4 2024 | $50.1M | $43.4M | $29.9M | $6.0M | $252K | 0.50% | 4.18% | 1.87% | 4,337 |
| Q3 2024 | $49.8M | $43.2M | $29.6M | $5.9M | $190K | 0.51% | 4.19% | 0.24% | 4,386 |
| Q2 2024 | $49.5M | $43.0M | $29.3M | $5.9M | $122K | 0.49% | 4.18% | 0.27% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.44% | 0.60% | 42th | |
Return on equity Annualized net income ÷ equity or net worth | 3.6% | 4.1% | 46th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.99% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 4,415 |
Loan mix (Q1 2026): real estate $13.3M · commercial $2.4M · consumer $14.7M · securities $15.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 89.0% | 81.5% | 67th |
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.