| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.0% | +1.3% | +0.7 pts |
| Share growth (YoY) | +1.0% | +0.7% | +0.3 pts |
| Loan growth (YoY) | -6.2% | -2.4% | -3.8 pts |
| ROA | 1.19% | 0.60% | +0.6 pts |
| ROE | 7.6% | 4.1% | +3.5 pts |
ROA ranks in the 76th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $44.3M | $36.8M | $14.3M | $7.0M | $132K | 1.19% | 3.58% | 0.21% | 5,910 |
| Q4 2025 | $43.0M | $35.5M | $15.1M | $6.9M | $494K | 1.15% | 3.52% | 0.29% | 5,902 |
| Q3 2025 | $43.9M | $36.5M | $15.3M | $6.7M | $340K | 1.03% | 3.37% | 0.26% | 5,942 |
| Q2 2025 | $43.9M | $36.8M | $15.5M | $6.6M | $216K | 0.98% | 3.29% | 0.76% | 5,964 |
| Q1 2025 | $43.5M | $36.4M | $15.3M | $6.5M | $116K | 1.06% | 3.22% | 0.14% | 5,954 |
| Q4 2024 | $41.6M | $34.7M | $15.3M | $6.4M | $497K | 1.20% | 3.34% | 0.46% | 5,971 |
| Q3 2024 | $42.9M | $36.1M | $15.8M | $6.3M | $384K | 1.19% | 3.22% | 0.98% | 6,065 |
| Q2 2024 | $42.8M | $36.6M | $16.4M | $6.1M | $261K | 1.22% | 3.20% | 0.18% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.19% | 0.60% | 76th | |
Return on equity Annualized net income ÷ equity or net worth | 7.6% | 4.1% | 73th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.58% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 6,061 |
Loan mix (Q1 2026): real estate $1.1M · commercial $0 · consumer $12.8M · securities $22.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.6% | 81.5% | 27th |
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.