| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.8% | +1.3% | -0.5 pts |
| Share growth (YoY) | -0.0% | +0.7% | -0.7 pts |
| Loan growth (YoY) | +1.9% | -2.4% | +4.2 pts |
| ROA | 1.18% | 0.60% | +0.6 pts |
| ROE | 10.0% | 4.1% | +5.9 pts |
ROA ranks in the 76th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $51.5M | $46.0M | $8.2M | $6.1M | $152K | 1.18% | 4.17% | 1.83% | 3,124 |
| Q4 2025 | $51.1M | $45.4M | $8.2M | $5.9M | $672K | 1.31% | 4.17% | 3.89% | 3,222 |
| Q3 2025 | $50.8M | $45.1M | $8.4M | $5.9M | $520K | 1.37% | 4.13% | 1.58% | 3,288 |
| Q2 2025 | $51.1M | $45.7M | $7.9M | $5.7M | $370K | 1.45% | 4.04% | 1.52% | 3,311 |
| Q1 2025 | $51.1M | $46.0M | $8.1M | $5.6M | $207K | 1.62% | 3.94% | 3.35% | 3,416 |
| Q4 2024 | $49.6M | $44.9M | $8.4M | $5.4M | $354K | 0.71% | 4.09% | 3.49% | 3,454 |
| Q3 2024 | $49.9M | $45.0M | $8.9M | $5.3M | $213K | 0.57% | 4.06% | 3.65% | 3,485 |
| Q2 2024 | $50.6M | $46.2M | $9.6M | $5.3M | $184K | 0.73% | 3.94% | 4.81% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.18% | 0.60% | 76th | |
Return on equity Annualized net income ÷ equity or net worth | 10.0% | 4.1% | 85th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.17% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,489 |
Loan mix (Q1 2026): real estate $1.1M · commercial $0 · consumer $6.9M · securities $36.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.4% | 81.5% | 38th |
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.