| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.6% | +1.3% | +0.3 pts |
| Share growth (YoY) | +1.6% | +0.7% | +0.9 pts |
| Loan growth (YoY) | -0.6% | -2.4% | +1.7 pts |
| ROA | 0.59% | 0.60% | -0.0 pts |
| ROE | 5.3% | 4.1% | +1.2 pts |
ROA ranks in the 49th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $44.6M | $39.6M | $26.9M | $5.0M | $66K | 0.59% | 3.77% | 0.60% | 4,100 |
| Q4 2025 | $44.0M | $39.0M | $26.5M | $5.0M | $129K | 0.29% | 3.87% | 1.38% | 4,209 |
| Q3 2025 | $44.0M | $39.1M | $27.2M | $4.9M | $61K | 0.18% | 3.83% | 1.21% | 4,209 |
| Q2 2025 | $44.2M | $39.1M | $26.9M | $5.0M | $71K | 0.32% | 3.76% | 1.41% | 4,511 |
| Q1 2025 | $43.9M | $38.9M | $27.0M | $5.0M | $34K | 0.31% | 3.73% | 1.40% | 4,523 |
| Q4 2024 | $42.9M | $38.0M | $28.6M | $3.2M | $178K | 0.41% | 3.90% | 2.77% | 4,571 |
| Q3 2024 | $41.7M | $36.7M | $29.3M | $4.9M | $20K | 0.06% | 3.96% | 0.92% | 4,575 |
| Q2 2024 | $25.8M | $22.8M | $21.3M | $3.1M | $64K | 0.50% | 4.41% | 1.70% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.59% | 0.60% | 49th | |
Return on equity Annualized net income ÷ equity or net worth | 5.3% | 4.1% | 58th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.77% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,106 |
Loan mix (Q1 2026): real estate $17.7M · commercial $0 · consumer $9.0M · securities $14.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 85.7% | 81.5% | 60th |
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.