| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.1% | +3.9% | +4.2 pts |
| Share growth (YoY) | +9.8% | +3.3% | +6.5 pts |
| Loan growth (YoY) | +13.2% | +2.9% | +10.3 pts |
| ROA | 0.02% | 0.69% | -0.7 pts |
| ROE | 0.2% | 5.9% | -5.8 pts |
ROA ranks in the 9th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $108.3M | $93.7M | $48.5M | $14.3M | $6K | 0.02% | 3.30% | 0.75% | 5,698 |
| Q4 2025 | $106.1M | $90.5M | $46.9M | $14.3M | $452K | 0.43% | 3.19% | 0.36% | 5,636 |
| Q3 2025 | $101.9M | $86.3M | $45.3M | $14.2M | $387K | 0.51% | 3.31% | 0.88% | 5,636 |
| Q2 2025 | $103.9M | $88.7M | $44.0M | $14.1M | $255K | 0.49% | 3.18% | 0.74% | 5,558 |
| Q1 2025 | $100.3M | $85.3M | $42.8M | $13.9M | $78K | 0.31% | 3.20% | 0.66% | 5,457 |
| Q4 2024 | $97.3M | $81.6M | $45.0M | $13.9M | $1.1M | 1.15% | 3.21% | 1.56% | 5,451 |
| Q3 2024 | $95.4M | $79.6M | $45.8M | $13.6M | $842K | 1.18% | 3.24% | 0.56% | 5,454 |
| Q2 2024 | $93.7M | $78.7M | $47.0M | $13.4M | $645K | 1.38% | 3.22% | 0.85% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.02% | 0.69% | 9th | |
Return on equity Annualized net income ÷ equity or net worth | 0.2% | 5.9% | 8th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.30% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 5,464 |
Loan mix (Q1 2026): real estate $19.9M · commercial $0 · consumer $28.3M · securities $36.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 97.8% | 78.7% | 96th |
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.