| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.9% | +1.3% | +2.6 pts |
| Share growth (YoY) | +2.7% | +0.7% | +2.0 pts |
| Loan growth (YoY) | -2.9% | -2.4% | -0.5 pts |
| ROA | 1.16% | 0.60% | +0.6 pts |
| ROE | 11.0% | 4.1% | +6.9 pts |
ROA ranks in the 75th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $47.6M | $42.6M | $12.7M | $5.1M | $138K | 1.16% | 2.65% | 0.00% | 2,887 |
| Q4 2025 | $45.8M | $40.8M | $12.9M | $4.9M | $513K | 1.12% | 2.57% | 2.71% | 2,912 |
| Q3 2025 | $43.7M | $38.9M | $13.2M | $4.8M | $374K | 1.14% | 2.66% | 3.73% | 2,939 |
| Q2 2025 | $46.8M | $42.2M | $13.0M | $4.6M | $238K | 1.01% | 2.44% | 1.12% | 2,935 |
| Q1 2025 | $45.8M | $41.4M | $13.1M | $4.5M | $84K | 0.74% | 2.24% | 0.00% | 2,950 |
| Q4 2024 | $44.5M | $40.3M | $13.2M | $4.4M | $245K | 0.55% | 2.16% | 0.49% | 2,964 |
| Q3 2024 | $43.4M | $39.2M | $13.3M | $4.3M | $150K | 0.46% | 2.16% | 0.37% | 2,991 |
| Q2 2024 | $45.0M | $41.3M | $13.5M | $4.2M | $77K | 0.34% | 2.00% | 0.04% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.16% | 0.60% | 75th | |
Return on equity Annualized net income ÷ equity or net worth | 11.0% | 4.1% | 88th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.65% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,973 |
Loan mix (Q1 2026): real estate $8.5M · commercial $0 · consumer $4.1M · securities $31.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 55.4% | 81.5% | 8th |
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.