| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.1% | +1.3% | +9.8 pts |
| Share growth (YoY) | +11.4% | +0.7% | +10.8 pts |
| Loan growth (YoY) | -3.2% | -2.4% | -0.9 pts |
| ROA | 0.22% | 0.60% | -0.4 pts |
| ROE | 2.6% | 4.1% | -1.5 pts |
ROA ranks in the 31st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $51.3M | $46.5M | $17.5M | $4.5M | $29K | 0.22% | 3.19% | 2.37% | 5,443 |
| Q4 2025 | $48.4M | $43.7M | $17.9M | $4.5M | $308K | 0.64% | 3.69% | 2.26% | 5,401 |
| Q3 2025 | $46.2M | $41.6M | $18.3M | $4.8M | $268K | 0.77% | 3.82% | 2.74% | 5,404 |
| Q2 2025 | $46.5M | $42.0M | $18.4M | $4.7M | $155K | 0.67% | 3.68% | 1.64% | 5,397 |
| Q1 2025 | $46.1M | $41.8M | $18.1M | $4.6M | $42K | 0.36% | 3.64% | 1.54% | 5,397 |
| Q4 2024 | $44.4M | $40.0M | $18.6M | $4.5M | $67K | 0.15% | 3.44% | 1.30% | 5,382 |
| Q3 2024 | $44.6M | $40.1M | $19.3M | $4.6M | $83K | 0.25% | 3.23% | 2.02% | 5,409 |
| Q2 2024 | $44.6M | $40.1M | $19.5M | $4.6M | $73K | 0.33% | 3.09% | 2.03% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.22% | 0.60% | 31th | |
Return on equity Annualized net income ÷ equity or net worth | 2.6% | 4.1% | 39th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.19% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 5,365 |
Loan mix (Q1 2026): real estate $2.3M · commercial $0 · consumer $13.5M · securities $27.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 87.2% | 81.5% | 64th |
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.