| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.3% | +1.3% | +1.0 pts |
| Share growth (YoY) | +2.2% | +0.7% | +1.5 pts |
| Loan growth (YoY) | -2.7% | -2.4% | -0.3 pts |
| ROA | 0.69% | 0.60% | +0.1 pts |
| ROE | 6.2% | 4.1% | +2.1 pts |
ROA ranks in the 54th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $78.5M | $68.7M | $38.7M | $8.8M | $135K | 0.69% | 4.18% | 0.77% | 7,520 |
| Q4 2025 | $76.6M | $66.8M | $39.5M | $8.6M | $905K | 1.18% | 4.46% | 0.78% | 7,538 |
| Q3 2025 | $75.6M | $66.1M | $39.8M | $8.4M | $680K | 1.20% | 4.49% | 0.46% | 7,653 |
| Q2 2025 | $76.4M | $67.2M | $39.9M | $8.2M | $453K | 1.19% | 4.39% | 0.26% | 7,682 |
| Q1 2025 | $76.8M | $67.3M | $39.8M | $7.9M | $180K | 0.94% | 4.34% | 0.19% | 7,715 |
| Q4 2024 | $75.7M | $66.5M | $41.5M | $7.7M | $864K | 1.14% | 4.19% | 0.46% | 7,761 |
| Q3 2024 | $74.5M | $66.3M | $42.3M | $7.4M | $586K | 1.05% | 4.17% | 0.53% | 7,932 |
| Q2 2024 | $73.9M | $65.2M | $43.0M | $7.2M | $379K | 1.02% | 4.10% | 0.94% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.69% | 0.60% | 54th | |
Return on equity Annualized net income ÷ equity or net worth | 6.2% | 4.1% | 65th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.18% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 7,971 |
Loan mix (Q1 2026): real estate $11.1M · commercial $0 · consumer $24.6M · securities $26.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 84.7% | 81.5% | 57th |
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.