| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.2% | +1.3% | +0.9 pts |
| Share growth (YoY) | +1.4% | +0.7% | +0.7 pts |
| Loan growth (YoY) | -2.9% | -2.4% | -0.6 pts |
| ROA | 0.84% | 0.60% | +0.2 pts |
| ROE | 5.5% | 4.1% | +1.4 pts |
ROA ranks in the 62nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $59.7M | $50.3M | $31.2M | $9.1M | $125K | 0.84% | 3.59% | 0.41% | 4,628 |
| Q4 2025 | $59.9M | $50.6M | $31.3M | $8.9M | $604K | 1.01% | 3.63% | 0.44% | 4,650 |
| Q3 2025 | $58.8M | $49.5M | $32.0M | $8.8M | $514K | 1.17% | 3.70% | 0.34% | 4,699 |
| Q2 2025 | $58.6M | $49.6M | $32.1M | $8.7M | $359K | 1.22% | 3.68% | 0.40% | 4,712 |
| Q1 2025 | $58.4M | $49.7M | $32.2M | $8.5M | $159K | 1.09% | 3.63% | 0.43% | 4,730 |
| Q4 2024 | $55.2M | $46.6M | $32.5M | $8.3M | $811K | 1.47% | 4.08% | 0.47% | 4,742 |
| Q3 2024 | $54.8M | $46.3M | $32.8M | $8.2M | $681K | 1.66% | 4.16% | 0.50% | 4,770 |
| Q2 2024 | $56.6M | $48.3M | $32.7M | $8.0M | $454K | 1.61% | 4.02% | 0.39% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.84% | 0.60% | 62th | |
Return on equity Annualized net income ÷ equity or net worth | 5.5% | 4.1% | 60th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.59% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 4,784 |
Loan mix (Q1 2026): real estate $16.2M · commercial $0 · consumer $13.2M · securities $13.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.5% | 81.5% | 47th |
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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