| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.4% | +1.3% | +1.1 pts |
| Share growth (YoY) | +1.6% | +0.7% | +1.0 pts |
| Loan growth (YoY) | +11.7% | -2.4% | +14.0 pts |
| ROA | 0.34% | 0.60% | -0.3 pts |
| ROE | 2.7% | 4.1% | -1.4 pts |
ROA ranks in the 37th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $40.8M | $37.2M | $14.9M | $5.1M | $35K | 0.34% | 3.10% | 0.30% | 3,023 |
| Q4 2025 | $40.7M | $37.1M | $15.9M | $5.1M | $60K | 0.15% | 3.06% | 0.32% | 3,076 |
| Q3 2025 | $41.2M | $37.6M | $15.3M | $5.2M | $117K | 0.38% | 3.03% | 0.63% | 3,117 |
| Q2 2025 | $41.5M | $38.2M | $16.4M | $5.1M | $86K | 0.41% | 2.98% | 0.58% | 3,156 |
| Q1 2025 | $39.9M | $36.6M | $13.3M | $5.2M | $45K | 0.45% | 3.06% | 0.82% | 3,225 |
| Q4 2024 | $39.0M | $36.0M | $14.1M | $5.1M | $78K | 0.20% | 2.35% | 0.35% | 3,264 |
| Q3 2024 | $32.8M | $28.9M | $7.1M | $5.4M | $340K | 1.38% | 2.79% | 0.37% | 3,320 |
| Q2 2024 | $31.9M | $28.5M | $7.2M | $5.4M | $384K | 2.41% | 2.77% | 0.24% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.34% | 0.60% | 37th | |
Return on equity Annualized net income ÷ equity or net worth | 2.7% | 4.1% | 40th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.10% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,372 |
Loan mix (Q1 2026): real estate $3.9M · commercial $0 · consumer $10.9M · securities $20.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 94.5% | 81.5% | 77th |
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.