| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.2% | +1.3% | +2.9 pts |
| Share growth (YoY) | +4.4% | +0.7% | +3.8 pts |
| Loan growth (YoY) | +0.6% | -2.4% | +2.9 pts |
| ROA | 0.31% | 0.60% | -0.3 pts |
| ROE | 2.2% | 4.1% | -1.9 pts |
ROA ranks in the 36th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $88.9M | $75.0M | $73.2M | $12.8M | $70K | 0.31% | 6.30% | 1.16% | 7,438 |
| Q4 2025 | $86.5M | $72.9M | $73.8M | $12.8M | $320K | 0.37% | 6.27% | 1.77% | 7,573 |
| Q3 2025 | $85.7M | $72.6M | $74.2M | $12.5M | $77K | 0.12% | 6.26% | 1.58% | 7,765 |
| Q2 2025 | $82.8M | $69.7M | $72.9M | $12.4M | $-61K | -0.15% | 6.43% | 1.23% | 7,906 |
| Q1 2025 | $85.3M | $71.9M | $72.8M | $12.4M | $9K | 0.04% | 6.16% | 1.69% | 8,110 |
| Q4 2024 | $83.0M | $69.6M | $72.7M | $12.4M | $-515K | -0.62% | 5.64% | 1.90% | 8,278 |
| Q3 2024 | $83.1M | $69.5M | $72.5M | $12.6M | $-385K | -0.62% | 5.82% | 1.72% | 8,444 |
| Q2 2024 | $83.5M | $69.4M | $71.4M | $12.5M | $-457K | -1.09% | 5.67% | 1.02% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.31% | 0.60% | 36th | |
Return on equity Annualized net income ÷ equity or net worth | 2.2% | 4.1% | 36th | |
Net interest margin Interest income − interest expense, ÷ assets | 6.30% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 8,511 |
Loan mix (Q1 2026): real estate $15.3M · commercial $0 · consumer $56.3M · securities $2.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.4% | 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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