| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.3% | +1.3% | -1.0 pts |
| Share growth (YoY) | -1.0% | +0.7% | -1.7 pts |
| Loan growth (YoY) | +0.5% | -2.4% | +2.8 pts |
| ROA | 1.33% | 0.60% | +0.7 pts |
| ROE | 10.9% | 4.1% | +6.8 pts |
ROA ranks in the 81st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $54.2M | $47.3M | $19.3M | $6.6M | $181K | 1.33% | 3.85% | 0.00% | 3,542 |
| Q4 2025 | $53.5M | $46.6M | $19.5M | $6.5M | $793K | 1.48% | 3.89% | 0.00% | 3,584 |
| Q3 2025 | $53.7M | $47.0M | $19.7M | $6.2M | $583K | 1.45% | 3.85% | 0.08% | 3,713 |
| Q2 2025 | $54.7M | $48.3M | $19.9M | $6.0M | $374K | 1.37% | 3.73% | 0.02% | 3,706 |
| Q1 2025 | $54.0M | $47.7M | $19.3M | $5.8M | $166K | 1.23% | 3.61% | 0.02% | 3,709 |
| Q4 2024 | $53.0M | $46.9M | $20.0M | $5.7M | $535K | 1.01% | 3.50% | 0.03% | 3,728 |
| Q3 2024 | $52.2M | $46.1M | $19.8M | $5.5M | $370K | 0.95% | 3.49% | 0.00% | 3,744 |
| Q2 2024 | $54.1M | $48.0M | $20.3M | $5.4M | $235K | 0.87% | 3.29% | 0.00% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.33% | 0.60% | 81th | |
Return on equity Annualized net income ÷ equity or net worth | 10.9% | 4.1% | 88th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.85% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,795 |
Loan mix (Q1 2026): real estate $9.0M · commercial $0 · consumer $9.5M · securities $32.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 68.2% | 81.5% | 23th |
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.