| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.4% | +1.3% | +4.1 pts |
| Share growth (YoY) | +5.7% | +0.7% | +5.0 pts |
| Loan growth (YoY) | +4.3% | -2.4% | +6.6 pts |
| ROA | 0.84% | 0.60% | +0.2 pts |
| ROE | 4.1% | 4.1% | -0.0 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 | $12.3M | $9.7M | $9.3M | $2.5M | $26K | 0.84% | 3.16% | 0.89% | 985 |
| Q4 2025 | $11.8M | $9.3M | $9.2M | $2.5M | $111K | 0.94% | 3.38% | 0.94% | 989 |
| Q3 2025 | $12.2M | $9.7M | $9.4M | $2.5M | $100K | 1.09% | 3.26% | 0.66% | 999 |
| Q2 2025 | $12.3M | $9.9M | $9.2M | $2.4M | $66K | 1.08% | 3.19% | 0.10% | 1,006 |
| Q1 2025 | $11.6M | $9.2M | $8.9M | $2.4M | $66K | 2.25% | 5.09% | 0.11% | 1,010 |
| Q4 2024 | $11.5M | $9.1M | $9.2M | $2.4M | $86K | 0.75% | 3.48% | 0.55% | 998 |
| Q3 2024 | $11.7M | $9.3M | $8.8M | $2.3M | $52K | 0.59% | 3.38% | 0.42% | 973 |
| Q2 2024 | $11.6M | $9.2M | $8.5M | $2.3M | $16K | 0.28% | 3.40% | 0.20% | 1,002 |
| 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 | 4.1% | 4.1% | 50th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.16% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $7.1M · securities $972K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.1% | 81.5% | 33th |
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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