| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.7% | +1.3% | -0.6 pts |
| Share growth (YoY) | +0.3% | +0.7% | -0.4 pts |
| Loan growth (YoY) | +3.0% | -2.4% | +5.4 pts |
| ROA | 1.09% | 0.60% | +0.5 pts |
| ROE | 4.6% | 4.1% | +0.5 pts |
ROA ranks in the 72nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $89.1M | $69.8M | $39.5M | $21.1M | $242K | 1.09% | 5.26% | 1.15% | 8,995 |
| Q4 2025 | $89.3M | $69.5M | $40.1M | $20.9M | $15K | 0.02% | 5.06% | 0.94% | 8,906 |
| Q3 2025 | $89.7M | $69.9M | $38.1M | $20.9M | $-29K | -0.04% | 5.01% | 0.42% | 8,817 |
| Q2 2025 | $89.1M | $69.8M | $38.6M | $20.7M | $-202K | -0.45% | 4.98% | 0.68% | 8,754 |
| Q1 2025 | $88.5M | $69.6M | $38.4M | $20.5M | $-390K | -1.76% | 4.88% | 0.36% | 8,686 |
| Q4 2024 | $86.8M | $69.0M | $38.4M | $20.9M | $615K | 0.71% | 4.67% | 0.36% | 8,643 |
| Q3 2024 | $88.5M | $68.9M | $37.1M | $21.7M | $1.3M | 1.92% | 4.52% | 0.35% | 8,568 |
| Q2 2024 | $87.1M | $69.0M | $37.0M | $21.2M | $851K | 1.95% | 4.53% | 0.24% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.09% | 0.60% | 72th | |
Return on equity Annualized net income ÷ equity or net worth | 4.6% | 4.1% | 54th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.26% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 8,477 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $37.7M · securities $41.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 72.0% | 81.5% | 29th |
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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