| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.5% | +1.3% | +0.2 pts |
| Share growth (YoY) | +0.5% | +0.7% | -0.2 pts |
| Loan growth (YoY) | -3.2% | -2.4% | -0.8 pts |
| ROA | 1.53% | 0.60% | +0.9 pts |
| ROE | 13.2% | 4.1% | +9.1 pts |
ROA ranks in the 86th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $85.2M | $74.9M | $27.9M | $9.9M | $326K | 1.53% | 3.95% | 0.70% | 5,262 |
| Q4 2025 | $81.9M | $72.0M | $28.8M | $9.6M | $1.1M | 1.39% | 4.04% | 1.34% | 5,360 |
| Q3 2025 | $81.5M | $71.9M | $28.7M | $9.3M | $859K | 1.41% | 4.03% | 2.03% | 5,398 |
| Q2 2025 | $83.5M | $74.0M | $29.0M | $9.0M | $586K | 1.40% | 3.87% | 1.96% | 5,428 |
| Q1 2025 | $83.9M | $74.5M | $28.8M | $8.7M | $297K | 1.41% | 3.77% | 1.66% | 5,452 |
| Q4 2024 | $81.7M | $72.7M | $29.2M | $8.4M | $1.2M | 1.42% | 3.78% | 1.13% | 5,493 |
| Q3 2024 | $81.7M | $72.8M | $29.3M | $8.2M | $904K | 1.47% | 3.73% | 1.00% | 5,528 |
| Q2 2024 | $84.9M | $76.3M | $28.7M | $7.9M | $583K | 1.37% | 3.48% | 0.98% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.53% | 0.60% | 86th | |
Return on equity Annualized net income ÷ equity or net worth | 13.2% | 4.1% | 94th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.95% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 5,533 |
Loan mix (Q1 2026): real estate $7.7M · commercial $3.9M · consumer $13.4M · securities $43.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 68.9% | 81.5% | 24th |
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.