| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.8% | +1.3% | +1.5 pts |
| Share growth (YoY) | +1.9% | +0.7% | +1.2 pts |
| Loan growth (YoY) | +3.8% | -2.4% | +6.1 pts |
| ROA | 0.78% | 0.60% | +0.2 pts |
| ROE | 3.8% | 4.1% | -0.3 pts |
ROA ranks in the 59th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $49.1M | $38.8M | $20.4M | $10.0M | $96K | 0.78% | 2.17% | 0.16% | 2,487 |
| Q4 2025 | $47.2M | $37.1M | $20.6M | $9.9M | $589K | 1.25% | 2.63% | 0.30% | 2,480 |
| Q3 2025 | $47.2M | $37.1M | $20.8M | $9.8M | $469K | 1.32% | 2.66% | 0.26% | 2,483 |
| Q2 2025 | $47.3M | $37.4M | $20.1M | $9.6M | $316K | 1.34% | 2.68% | 0.17% | 2,473 |
| Q1 2025 | $47.7M | $38.1M | $19.6M | $9.5M | $160K | 1.34% | 2.68% | 0.17% | 2,470 |
| Q4 2024 | $47.0M | $37.5M | $19.0M | $9.3M | $679K | 1.45% | 2.77% | 0.09% | 2,480 |
| Q3 2024 | $46.9M | $37.7M | $18.8M | $9.2M | $505K | 1.44% | 2.75% | 0.08% | 2,473 |
| Q2 2024 | $47.6M | $38.5M | $17.7M | $9.0M | $335K | 1.41% | 2.68% | 0.07% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.78% | 0.60% | 59th | |
Return on equity Annualized net income ÷ equity or net worth | 3.8% | 4.1% | 48th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.17% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,459 |
Loan mix (Q1 2026): real estate $4.8M · commercial $0 · consumer $14.2M · securities $21.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.3% | 81.5% | 22th |
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.