| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.7% | +1.3% | +1.4 pts |
| Share growth (YoY) | +1.9% | +0.7% | +1.3 pts |
| Loan growth (YoY) | +3.3% | -2.4% | +5.6 pts |
| ROA | 0.73% | 0.60% | +0.1 pts |
| ROE | 8.9% | 4.1% | +4.8 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 | $32.3M | $29.6M | $22.6M | $2.6M | $59K | 0.73% | 4.15% | 3.98% | 3,480 |
| Q4 2025 | $32.0M | $29.3M | $22.8M | $2.6M | $285K | 0.89% | 4.01% | 3.33% | 3,488 |
| Q3 2025 | $31.1M | $28.6M | $22.2M | $2.5M | $199K | 0.85% | 4.03% | 2.42% | 3,468 |
| Q2 2025 | $31.7M | $29.2M | $21.8M | $2.5M | $133K | 0.84% | 3.88% | 2.42% | 3,448 |
| Q1 2025 | $31.4M | $29.1M | $21.9M | $2.4M | $53K | 0.67% | 3.80% | 1.84% | 3,438 |
| Q4 2024 | $30.6M | $28.3M | $21.6M | $2.3M | $108K | 0.35% | 3.39% | 2.36% | 3,461 |
| Q3 2024 | $29.8M | $27.5M | $21.5M | $2.3M | $65K | 0.29% | 3.40% | 2.54% | 3,495 |
| Q2 2024 | $29.0M | $26.8M | $21.6M | $2.3M | $70K | 0.48% | 3.41% | 2.47% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.73% | 0.60% | 57th | |
Return on equity Annualized net income ÷ equity or net worth | 8.9% | 4.1% | 80th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.15% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,444 |
Loan mix (Q1 2026): real estate $5.5M · commercial $0 · consumer $16.4M · securities $4.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.5% | 81.5% | 36th |
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.