| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.7% | +1.3% | +4.4 pts |
| Share growth (YoY) | +5.4% | +0.7% | +4.7 pts |
| Loan growth (YoY) | +17.3% | -2.4% | +19.6 pts |
| ROA | 0.44% | 0.60% | -0.2 pts |
| ROE | 3.6% | 4.1% | -0.5 pts |
ROA ranks in the 41st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $35.9M | $31.5M | $19.2M | $4.4M | $39K | 0.44% | 3.63% | 0.75% | 2,507 |
| Q4 2025 | $34.3M | $30.0M | $18.8M | $4.3M | $302K | 0.88% | 4.22% | 1.13% | 2,508 |
| Q3 2025 | $34.0M | $29.7M | $18.7M | $4.3M | $226K | 0.89% | 4.26% | 1.55% | 2,513 |
| Q2 2025 | $34.3M | $30.2M | $17.7M | $4.2M | $157K | 0.91% | 4.22% | 1.16% | 2,513 |
| Q1 2025 | $34.0M | $29.9M | $16.4M | $4.1M | $75K | 0.88% | 4.11% | 1.14% | 2,518 |
| Q4 2024 | $33.8M | $29.9M | $16.5M | $4.0M | $407K | 1.20% | 4.05% | 1.20% | 2,539 |
| Q3 2024 | $34.1M | $30.2M | $16.1M | $3.9M | $325K | 1.27% | 4.01% | 1.34% | 2,547 |
| Q2 2024 | $34.3M | $30.7M | $16.5M | $3.8M | $220K | 1.28% | 3.96% | 1.02% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.44% | 0.60% | 41th | |
Return on equity Annualized net income ÷ equity or net worth | 3.6% | 4.1% | 46th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.63% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,559 |
Loan mix (Q1 2026): real estate $10.9M · commercial $448K · consumer $6.9M · securities $12.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 87.4% | 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.