| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +12.7% | +1.3% | +11.4 pts |
| Share growth (YoY) | +12.9% | +0.7% | +12.3 pts |
| Loan growth (YoY) | +0.5% | -2.4% | +2.9 pts |
| ROA | 0.19% | 0.60% | -0.4 pts |
| ROE | 2.3% | 4.1% | -1.8 pts |
ROA ranks in the 29th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $24.7M | $22.6M | $13.8M | $2.1M | $12K | 0.19% | 3.64% | 0.13% | 1,672 |
| Q4 2025 | $24.1M | $22.0M | $14.5M | $2.1M | $165K | 0.69% | 3.99% | 0.18% | 1,686 |
| Q3 2025 | $24.0M | $22.0M | $14.6M | $2.0M | $136K | 0.76% | 4.05% | 0.18% | 1,676 |
| Q2 2025 | $22.7M | $20.7M | $14.1M | $2.0M | $90K | 0.80% | 4.29% | 0.24% | 1,656 |
| Q1 2025 | $22.0M | $20.0M | $13.8M | $1.9M | $43K | 0.78% | 4.45% | 0.10% | 1,683 |
| Q4 2024 | $21.9M | $19.8M | $13.4M | $1.9M | $110K | 0.50% | 4.32% | 0.15% | 1,680 |
| Q3 2024 | $22.8M | $20.8M | $13.1M | $1.9M | $105K | 0.61% | 4.07% | 0.18% | 1,689 |
| Q2 2024 | $22.6M | $20.6M | $13.3M | $1.9M | $63K | 0.56% | 4.01% | 0.11% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.19% | 0.60% | 29th | |
Return on equity Annualized net income ÷ equity or net worth | 2.3% | 4.1% | 37th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.64% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,687 |
Loan mix (Q1 2026): real estate $4.1M · commercial $244K · consumer $8.3M · securities $5.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 95.5% | 81.5% | 79th |
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.