| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.6% | +1.3% | +1.3 pts |
| Share growth (YoY) | +1.5% | +0.7% | +0.8 pts |
| Loan growth (YoY) | -1.0% | -2.4% | +1.3 pts |
| ROA | 0.86% | 0.60% | +0.3 pts |
| ROE | 6.6% | 4.1% | +2.5 pts |
ROA ranks in the 63rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $58.5M | $50.5M | $37.3M | $7.6M | $126K | 0.86% | 3.99% | 1.87% | 3,427 |
| Q4 2025 | $56.4M | $48.7M | $38.0M | $7.5M | $718K | 1.27% | 4.45% | 1.31% | 3,455 |
| Q3 2025 | $56.0M | $48.4M | $37.7M | $7.2M | $524K | 1.25% | 4.47% | 1.83% | 3,459 |
| Q2 2025 | $54.7M | $47.4M | $37.5M | $7.1M | $61K | 0.22% | 4.53% | 1.22% | 3,503 |
| Q1 2025 | $57.1M | $49.7M | $37.7M | $7.0M | $-109K | -0.76% | 4.27% | 0.36% | 3,520 |
| Q4 2024 | $56.4M | $49.1M | $37.7M | $6.7M | $545K | 0.97% | 4.17% | 0.59% | 4,466 |
| Q3 2024 | $57.3M | $50.0M | $36.6M | $6.5M | $205K | 0.48% | 4.05% | 1.22% | 3,943 |
| Q2 2024 | $56.6M | $49.9M | $36.4M | $6.3M | $295K | 1.04% | 4.00% | 0.61% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.86% | 0.60% | 63th | |
Return on equity Annualized net income ÷ equity or net worth | 6.6% | 4.1% | 68th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.99% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,943 |
Loan mix (Q1 2026): real estate $26.7M · commercial $1.5M · consumer $7.7M · securities $9.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.3% | 81.5% | 47th |
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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