| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.0% | +1.3% | +0.7 pts |
| Share growth (YoY) | +0.7% | +0.7% | +0.1 pts |
| Loan growth (YoY) | -3.0% | -2.4% | -0.7 pts |
| ROA | 1.50% | 0.60% | +0.9 pts |
| ROE | 6.6% | 4.1% | +2.5 pts |
ROA ranks in the 85th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $36.6M | $27.9M | $13.1M | $8.3M | $138K | 1.50% | 4.19% | 1.60% | 2,632 |
| Q4 2025 | $36.8M | $28.3M | $13.6M | $8.2M | $341K | 0.93% | 4.19% | 2.88% | 2,657 |
| Q3 2025 | $36.4M | $27.8M | $13.4M | $8.1M | $322K | 1.18% | 4.23% | 2.72% | 2,732 |
| Q2 2025 | $35.9M | $27.6M | $13.1M | $8.0M | $188K | 1.05% | 4.19% | 2.28% | 2,735 |
| Q1 2025 | $35.9M | $27.7M | $13.5M | $7.9M | $90K | 1.00% | 4.12% | 2.80% | 2,746 |
| Q4 2024 | $35.0M | $27.0M | $14.1M | $7.8M | $338K | 0.96% | 4.22% | 1.79% | 2,762 |
| Q3 2024 | $33.5M | $25.5M | $14.3M | $7.8M | $328K | 1.30% | 4.41% | 1.24% | 2,771 |
| Q2 2024 | $33.1M | $25.4M | $13.6M | $7.7M | $189K | 1.14% | 4.25% | 1.07% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.50% | 0.60% | 85th | |
Return on equity Annualized net income ÷ equity or net worth | 6.6% | 4.1% | 68th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.19% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,769 |
Loan mix (Q1 2026): real estate $2.8M · commercial $0 · consumer $10.3M · securities $16.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.8% | 81.5% | 20th |
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.