| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.5% | +1.3% | -0.8 pts |
| Share growth (YoY) | -1.0% | +0.7% | -1.7 pts |
| Loan growth (YoY) | -0.8% | -2.4% | +1.6 pts |
| ROA | 0.67% | 0.60% | +0.1 pts |
| ROE | 5.4% | 4.1% | +1.3 pts |
ROA ranks in the 53rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $95.6M | $80.6M | $56.5M | $12.0M | $161K | 0.67% | 3.81% | 0.26% | 7,764 |
| Q4 2025 | $94.3M | $80.6M | $54.7M | $11.8M | $861K | 0.91% | 4.07% | 0.09% | 7,788 |
| Q3 2025 | $93.0M | $79.3M | $54.8M | $11.7M | $680K | 0.97% | 4.12% | 0.22% | 7,850 |
| Q2 2025 | $94.4M | $80.7M | $56.1M | $11.4M | $450K | 0.95% | 4.03% | 0.34% | 7,924 |
| Q1 2025 | $95.2M | $81.4M | $56.9M | $11.2M | $202K | 0.85% | 3.91% | 0.45% | 7,978 |
| Q4 2024 | $92.1M | $79.0M | $58.8M | $11.0M | $1.4M | 1.47% | 4.39% | 0.28% | 8,095 |
| Q3 2024 | $91.1M | $78.0M | $61.6M | $10.7M | $1.0M | 1.54% | 4.49% | 0.50% | 8,230 |
| Q2 2024 | $92.1M | $79.2M | $63.1M | $10.4M | $741K | 1.61% | 4.46% | 0.30% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.67% | 0.60% | 53th | |
Return on equity Annualized net income ÷ equity or net worth | 5.4% | 4.1% | 59th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.81% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 8,325 |
Loan mix (Q1 2026): real estate $6.9M · commercial $0 · consumer $48.6M · securities $24.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 85.4% | 81.5% | 59th |
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% |
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