| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.3% | +1.3% | +0.0 pts |
| Share growth (YoY) | -1.3% | +0.7% | -2.0 pts |
| Loan growth (YoY) | -4.0% | -2.4% | -1.6 pts |
| ROA | 2.71% | 0.60% | +2.1 pts |
| ROE | 16.8% | 4.1% | +12.7 pts |
ROA ranks in the 97th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $50.4M | $40.2M | $35.1M | $8.1M | $342K | 2.71% | 4.29% | 0.53% | 3,550 |
| Q4 2025 | $49.7M | $40.1M | $35.8M | $9.4M | $1.1M | 2.20% | 4.34% | 0.77% | 3,588 |
| Q3 2025 | $49.5M | $39.9M | $36.4M | $9.1M | $874K | 2.35% | 4.25% | 1.00% | 3,635 |
| Q2 2025 | $50.1M | $40.9M | $36.6M | $8.8M | $551K | 2.20% | 4.15% | 0.61% | 3,719 |
| Q1 2025 | $49.7M | $40.8M | $36.6M | $8.5M | $277K | 2.23% | 4.16% | 0.65% | 3,719 |
| Q4 2024 | $46.5M | $39.5M | $34.7M | $6.7M | $717K | 1.54% | 3.67% | 1.70% | 2,832 |
| Q3 2024 | $46.6M | $39.7M | $35.8M | $6.6M | $602K | 1.72% | 3.59% | 1.26% | 2,829 |
| Q2 2024 | $45.1M | $38.5M | $36.7M | $6.4M | $374K | 1.66% | 3.60% | 0.65% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.71% | 0.60% | 97th | |
Return on equity Annualized net income ÷ equity or net worth | 16.8% | 4.1% | 98th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.29% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,769 |
Loan mix (Q1 2026): real estate $7.7M · commercial $0 · consumer $21.6M · securities $3.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 46.7% | 81.5% | 4th |
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.