| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.6% | +1.3% | -0.7 pts |
| Share growth (YoY) | -0.5% | +0.7% | -1.1 pts |
| Loan growth (YoY) | -17.4% | -2.4% | -15.0 pts |
| ROA | 1.31% | 0.60% | +0.7 pts |
| ROE | 8.5% | 4.1% | +4.4 pts |
ROA ranks in the 80th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $40.7M | $34.3M | $13.3M | $6.3M | $133K | 1.31% | 2.95% | 0.77% | 3,926 |
| Q4 2025 | $40.3M | $34.0M | $13.9M | $6.2M | $360K | 0.89% | 2.66% | 0.41% | 3,714 |
| Q3 2025 | $40.1M | $34.0M | $14.2M | $6.0M | $227K | 0.76% | 2.61% | 0.30% | 3,729 |
| Q2 2025 | $40.0M | $34.0M | $15.0M | $5.9M | $116K | 0.58% | 2.57% | 0.75% | 3,704 |
| Q1 2025 | $40.4M | $34.5M | $16.1M | $5.8M | $44K | 0.43% | 2.54% | 0.77% | 3,737 |
| Q4 2024 | $40.6M | $34.6M | $17.3M | $5.8M | $131K | 0.32% | 2.30% | 1.05% | 3,834 |
| Q3 2024 | $40.3M | $34.4M | $17.9M | $5.7M | $59K | 0.20% | 2.24% | 1.02% | 3,802 |
| Q2 2024 | $41.0M | $35.2M | $18.1M | $5.7M | $22K | 0.11% | 2.10% | 1.00% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.31% | 0.60% | 80th | |
Return on equity Annualized net income ÷ equity or net worth | 8.5% | 4.1% | 78th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.95% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,778 |
Loan mix (Q1 2026): real estate $1.6M · commercial $0 · consumer $11.4M · securities $24.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.2% | 81.5% | 13th |
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.