| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.5% | +1.3% | +4.2 pts |
| Share growth (YoY) | +5.3% | +0.7% | +4.6 pts |
| Loan growth (YoY) | -18.4% | -2.4% | -16.0 pts |
| ROA | 0.62% | 0.60% | +0.0 pts |
| ROE | 4.9% | 4.1% | +0.8 pts |
ROA ranks in the 51st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $20.8M | $18.0M | $10.8M | $2.7M | $32K | 0.62% | 4.03% | 0.27% | 2,053 |
| Q4 2025 | $20.0M | $17.2M | $11.3M | $2.6M | $178K | 0.89% | 4.41% | 0.59% | 2,043 |
| Q3 2025 | $19.6M | $16.9M | $11.8M | $2.6M | $140K | 0.96% | 4.61% | 0.28% | 2,032 |
| Q2 2025 | $19.8M | $17.1M | $12.3M | $2.5M | $81K | 0.82% | 4.55% | 0.47% | 2,032 |
| Q1 2025 | $19.7M | $17.1M | $13.2M | $2.5M | $34K | 0.69% | 4.51% | 0.04% | 2,101 |
| Q4 2024 | $19.2M | $16.6M | $13.1M | $2.5M | $75K | 0.39% | 4.19% | 0.04% | 2,102 |
| Q3 2024 | $19.1M | $16.5M | $13.7M | $2.5M | $65K | 0.45% | 4.13% | 0.11% | 2,090 |
| Q2 2024 | $18.7M | $16.2M | $14.0M | $2.4M | $43K | 0.46% | 4.10% | 0.22% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.62% | 0.60% | 51th | |
Return on equity Annualized net income ÷ equity or net worth | 4.9% | 4.1% | 56th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.03% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,068 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $9.3M · securities $8.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.9% | 81.5% | 43th |
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.