| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.0% | +1.3% | +3.7 pts |
| Share growth (YoY) | +4.3% | +0.7% | +3.6 pts |
| Loan growth (YoY) | -5.9% | -2.4% | -3.5 pts |
| ROA | 0.87% | 0.60% | +0.3 pts |
| ROE | 6.1% | 4.1% | +2.0 pts |
ROA ranks in the 63rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $87.8M | $74.9M | $39.6M | $12.6M | $192K | 0.87% | 3.19% | 0.57% | 7,111 |
| Q4 2025 | $86.4M | $73.7M | $40.6M | $12.4M | $1.0M | 1.21% | 3.13% | 0.55% | 7,044 |
| Q3 2025 | $85.7M | $73.0M | $41.8M | $12.2M | $832K | 1.29% | 3.07% | 0.72% | 7,018 |
| Q2 2025 | $85.1M | $72.9M | $41.8M | $11.9M | $540K | 1.27% | 3.00% | 0.55% | 6,938 |
| Q1 2025 | $83.6M | $71.8M | $42.1M | $11.6M | $237K | 1.14% | 2.94% | 0.45% | 6,908 |
| Q4 2024 | $80.2M | $68.1M | $42.7M | $11.3M | $914K | 1.14% | 2.87% | 0.34% | 6,846 |
| Q3 2024 | $78.4M | $66.8M | $42.8M | $11.3M | $673K | 1.14% | 2.86% | 0.63% | 6,789 |
| Q2 2024 | $79.1M | $66.5M | $41.8M | $11.1M | $447K | 1.13% | 2.77% | 0.53% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.87% | 0.60% | 63th | |
Return on equity Annualized net income ÷ equity or net worth | 6.1% | 4.1% | 64th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.19% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 6,840 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $31.0M · securities $36.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.7% | 81.5% | 36th |
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% |
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