| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.4% | +1.3% | +1.1 pts |
| Share growth (YoY) | +7.7% | +0.7% | +7.0 pts |
| Loan growth (YoY) | -1.8% | -2.4% | +0.6 pts |
| ROA | 0.42% | 0.60% | -0.2 pts |
| ROE | 4.3% | 4.1% | +0.2 pts |
ROA ranks in the 40th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $29.6M | $23.2M | $25.4M | $2.9M | $31K | 0.42% | 2.18% | 0.08% | 1,780 |
| Q4 2025 | $28.6M | $22.2M | $25.7M | $2.9M | $86K | 0.30% | 2.07% | 0.07% | 1,778 |
| Q3 2025 | $27.9M | $21.5M | $26.1M | $2.9M | $77K | 0.37% | 2.15% | 0.06% | 1,779 |
| Q2 2025 | $27.8M | $21.5M | $25.2M | $2.8M | $61K | 0.44% | 2.08% | 0.04% | 1,781 |
| Q1 2025 | $28.9M | $21.5M | $25.9M | $2.8M | $43K | 0.59% | 1.99% | 0.95% | 1,785 |
| Q4 2024 | $27.3M | $20.0M | $25.7M | $2.8M | $49K | 0.18% | 2.01% | 0.91% | 1,775 |
| Q3 2024 | $26.2M | $20.3M | $24.8M | $2.8M | $46K | 0.23% | 2.13% | 1.62% | 1,768 |
| Q2 2024 | $26.2M | $20.8M | $24.7M | $2.8M | $30K | 0.23% | 2.18% | 2.13% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.42% | 0.60% | 40th | |
Return on equity Annualized net income ÷ equity or net worth | 4.3% | 4.1% | 51th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.18% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,771 |
Loan mix (Q1 2026): real estate $23.8M · commercial $395K · consumer $1.1M · securities $3.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.6% | 81.5% | 45th |
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.