| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.0% | +1.3% | +2.7 pts |
| Share growth (YoY) | +3.4% | +0.7% | +2.8 pts |
| Loan growth (YoY) | -13.2% | -2.4% | -10.9 pts |
| ROA | 0.81% | 0.60% | +0.2 pts |
| ROE | 5.8% | 4.1% | +1.7 pts |
ROA ranks in the 60th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $40.3M | $34.7M | $7.7M | $5.6M | $82K | 0.81% | 2.29% | 0.77% | 2,887 |
| Q4 2025 | $39.2M | $33.6M | $8.2M | $5.5M | $447K | 1.14% | 2.48% | 0.68% | 2,915 |
| Q3 2025 | $39.4M | $34.0M | $8.2M | $5.4M | $347K | 1.17% | 2.44% | 0.67% | 2,941 |
| Q2 2025 | $38.1M | $32.8M | $8.5M | $5.3M | $234K | 1.23% | 2.53% | 0.60% | 2,958 |
| Q1 2025 | $38.8M | $33.6M | $8.9M | $5.2M | $111K | 1.15% | 2.48% | 0.56% | 2,966 |
| Q4 2024 | $36.9M | $31.7M | $9.1M | $5.1M | $428K | 1.16% | 2.56% | 0.31% | 2,981 |
| Q3 2024 | $37.2M | $32.2M | $9.3M | $5.0M | $328K | 1.17% | 2.54% | 0.16% | 3,012 |
| Q2 2024 | $36.8M | $31.9M | $9.4M | $4.9M | $201K | 1.09% | 2.46% | 0.20% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.81% | 0.60% | 60th | |
Return on equity Annualized net income ÷ equity or net worth | 5.8% | 4.1% | 63th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.29% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,017 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $7.6M · securities $28.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.9% | 81.5% | 21th |
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.