| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.6% | +1.3% | +1.3 pts |
| Share growth (YoY) | +1.9% | +0.7% | +1.2 pts |
| Loan growth (YoY) | -3.6% | -2.4% | -1.3 pts |
| ROA | 0.74% | 0.60% | +0.1 pts |
| ROE | 3.6% | 4.1% | -0.5 pts |
ROA ranks in the 57th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $29.8M | $24.5M | $10.8M | $6.0M | $55K | 0.74% | 4.28% | 0.82% | 1,536 |
| Q4 2025 | $29.3M | $24.5M | $11.3M | $6.0M | $247K | 0.84% | 4.53% | 0.95% | 1,551 |
| Q3 2025 | $29.6M | $24.3M | $11.1M | $6.0M | $238K | 1.07% | 4.48% | 1.98% | 1,542 |
| Q2 2025 | $29.3M | $24.2M | $11.3M | $5.9M | $156K | 1.06% | 4.48% | 0.70% | 1,550 |
| Q1 2025 | $29.1M | $24.1M | $11.2M | $5.8M | $62K | 0.85% | 4.43% | 0.54% | 1,588 |
| Q4 2024 | $28.7M | $23.6M | $11.6M | $5.7M | $356K | 1.24% | 4.38% | 0.94% | 1,597 |
| Q3 2024 | $29.2M | $24.3M | $11.8M | $5.7M | $265K | 1.21% | 4.26% | 0.68% | 1,606 |
| Q2 2024 | $29.3M | $24.4M | $11.4M | $5.6M | $189K | 1.29% | 4.16% | 0.49% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.74% | 0.60% | 57th | |
Return on equity Annualized net income ÷ equity or net worth | 3.6% | 4.1% | 47th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.28% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,596 |
Loan mix (Q1 2026): real estate $4.6M · commercial $0 · consumer $6.0M · securities $13.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 72.2% | 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% |
The full ratio pack is part of CharterBench Pro.