| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +12.6% | +1.3% | +11.3 pts |
| Share growth (YoY) | +14.2% | +0.7% | +13.5 pts |
| Loan growth (YoY) | +28.6% | -2.4% | +31.0 pts |
| ROA | 0.08% | 0.60% | -0.5 pts |
| ROE | 0.7% | 4.1% | -3.4 pts |
ROA ranks in the 25th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $15.7M | $13.9M | $10.7M | $1.7M | $3K | 0.08% | 3.56% | 0.33% | 2,018 |
| Q4 2025 | $15.5M | $13.5M | $11.3M | $1.7M | $47K | 0.30% | 3.49% | 0.76% | 2,024 |
| Q3 2025 | $14.5M | $12.7M | $9.6M | $1.8M | $38K | 0.35% | 3.67% | 0.98% | 1,979 |
| Q2 2025 | $14.5M | $12.7M | $8.8M | $1.7M | $9K | 0.13% | 3.57% | 0.39% | 1,884 |
| Q1 2025 | $13.9M | $12.2M | $8.3M | $1.7M | $18K | 0.53% | 3.60% | 0.42% | 1,897 |
| Q4 2024 | $13.6M | $11.9M | $8.4M | $1.7M | $39K | 0.29% | 3.52% | 0.40% | 1,878 |
| Q3 2024 | $13.9M | $12.2M | $8.2M | $1.7M | $26K | 0.25% | 3.40% | 0.86% | 1,898 |
| Q2 2024 | $14.7M | $13.0M | $8.3M | $1.6M | $-2K | -0.03% | 3.15% | 0.44% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.08% | 0.60% | 25th | |
Return on equity Annualized net income ÷ equity or net worth | 0.7% | 4.1% | 26th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.56% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,987 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $10.2M · securities $3.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 87.5% | 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.