| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.4% | +1.3% | +0.1 pts |
| Share growth (YoY) | +0.1% | +0.7% | -0.6 pts |
| Loan growth (YoY) | -16.2% | -2.4% | -13.8 pts |
| ROA | 1.50% | 0.60% | +0.9 pts |
| ROE | 11.8% | 4.1% | +7.7 pts |
ROA ranks in the 85th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $44.0M | $38.2M | $8.3M | $5.6M | $165K | 1.50% | 3.75% | 0.06% | 2,939 |
| Q4 2025 | $43.1M | $37.3M | $8.6M | $5.4M | $562K | 1.30% | 3.80% | 0.07% | 2,964 |
| Q3 2025 | $42.2M | $36.8M | $9.2M | $5.3M | $415K | 1.31% | 3.84% | 0.20% | 2,998 |
| Q2 2025 | $42.9M | $37.6M | $9.4M | $5.1M | $278K | 1.30% | 3.73% | 0.43% | 3,029 |
| Q1 2025 | $43.4M | $38.2M | $9.9M | $5.0M | $131K | 1.21% | 3.53% | 0.02% | 3,054 |
| Q4 2024 | $41.8M | $36.8M | $10.3M | $4.9M | $431K | 1.03% | 3.25% | 0.01% | 3,073 |
| Q3 2024 | $41.2M | $36.0M | $10.7M | $4.7M | $313K | 1.01% | 3.19% | 0.00% | 3,099 |
| Q2 2024 | $42.3M | $37.5M | $10.9M | $4.6M | $201K | 0.95% | 3.00% | 0.00% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.50% | 0.60% | 85th | |
Return on equity Annualized net income ÷ equity or net worth | 11.8% | 4.1% | 91th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.75% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,120 |
Loan mix (Q1 2026): real estate $874K · commercial $0 · consumer $6.7M · securities $31.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.8% | 81.5% | 20th |
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.