| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.5% | +1.3% | +1.2 pts |
| Share growth (YoY) | +1.9% | +0.7% | +1.2 pts |
| Loan growth (YoY) | +22.3% | -2.4% | +24.6 pts |
| ROA | 0.50% | 0.60% | -0.1 pts |
| ROE | 4.1% | 4.1% | -0.0 pts |
ROA ranks in the 45th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $35.8M | $30.5M | $9.2M | $4.4M | $45K | 0.50% | 3.13% | 0.18% | 2,575 |
| Q4 2025 | $34.8M | $30.2M | $8.9M | $4.3M | $309K | 0.89% | 2.92% | 0.01% | 2,566 |
| Q3 2025 | $34.9M | $30.0M | $8.7M | $4.2M | $208K | 0.79% | 2.83% | 0.01% | 2,565 |
| Q2 2025 | $34.8M | $30.3M | $8.4M | $4.1M | $93K | 0.54% | 2.70% | 0.03% | 2,563 |
| Q1 2025 | $35.0M | $29.9M | $7.5M | $4.1M | $55K | 0.63% | 2.55% | 1.07% | 2,554 |
| Q4 2024 | $33.2M | $28.9M | $7.2M | $4.0M | $-81K | -0.25% | 2.01% | 0.01% | 2,621 |
| Q3 2024 | $35.1M | $30.7M | $7.1M | $4.0M | $-99K | -0.38% | 1.72% | 0.03% | 2,608 |
| Q2 2024 | $35.0M | $30.8M | $7.0M | $4.0M | $-121K | -0.69% | 1.49% | 0.01% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.50% | 0.60% | 45th | |
Return on equity Annualized net income ÷ equity or net worth | 4.1% | 4.1% | 50th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.13% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,601 |
Loan mix (Q1 2026): real estate $1.3M · commercial $0 · consumer $6.9M · securities $24.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.0% | 81.5% | 30th |
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.