| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.0% | +1.3% | +5.7 pts |
| Share growth (YoY) | +7.7% | +0.7% | +7.0 pts |
| Loan growth (YoY) | +3.4% | -2.4% | +5.7 pts |
| ROA | -0.01% | 0.60% | -0.6 pts |
| ROE | -0.1% | 4.1% | -4.2 pts |
ROA ranks in the 21st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $83.0M | $73.2M | $39.7M | $9.3M | $-2K | -0.01% | 3.79% | 0.08% | 5,826 |
| Q4 2025 | $81.1M | $71.2M | $39.8M | $9.3M | $296K | 0.36% | 3.97% | 0.27% | 5,788 |
| Q3 2025 | $79.8M | $69.8M | $39.2M | $9.3M | $227K | 0.38% | 4.02% | 0.34% | 5,749 |
| Q2 2025 | $79.0M | $69.0M | $38.8M | $9.2M | $197K | 0.50% | 3.97% | 0.31% | 5,732 |
| Q1 2025 | $77.6M | $67.9M | $38.4M | $9.2M | $37K | 0.19% | 3.88% | 0.39% | 5,779 |
| Q4 2024 | $75.9M | $65.4M | $39.0M | $9.1M | $1.3M | 1.75% | 3.73% | 0.23% | 5,760 |
| Q3 2024 | $74.5M | $64.9M | $38.9M | $9.1M | $1.2M | 2.12% | 3.73% | 0.66% | 5,756 |
| Q2 2024 | $75.4M | $66.0M | $39.3M | $8.9M | $1.1M | 2.80% | 3.58% | 0.88% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.01% | 0.60% | 21th | |
Return on equity Annualized net income ÷ equity or net worth | -0.1% | 4.1% | 21th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.79% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 5,708 |
Loan mix (Q1 2026): real estate $15.7M · commercial $2.8M · consumer $17.3M · securities $25.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 94.9% | 81.5% | 78th |
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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