| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +12.9% | +1.3% | +11.6 pts |
| Share growth (YoY) | +14.3% | +0.7% | +13.6 pts |
| Loan growth (YoY) | +15.1% | -2.4% | +17.5 pts |
| ROA | -0.62% | 0.60% | -1.2 pts |
| ROE | -4.7% | 4.1% | -8.8 pts |
ROA ranks in the 12th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $31.1M | $26.6M | $21.7M | $4.1M | $-48K | -0.62% | 5.00% | 1.47% | 2,880 |
| Q4 2025 | $30.5M | $26.1M | $20.1M | $4.2M | $306K | 1.00% | 5.13% | 2.96% | 2,841 |
| Q3 2025 | $27.7M | $23.3M | $19.7M | $4.2M | $280K | 1.35% | 5.56% | 3.07% | 2,833 |
| Q2 2025 | $27.3M | $23.0M | $19.2M | $4.1M | $142K | 1.04% | 5.48% | 2.25% | 2,822 |
| Q1 2025 | $27.5M | $23.3M | $18.8M | $4.0M | $83K | 1.21% | 5.42% | 2.16% | 2,793 |
| Q4 2024 | $26.7M | $22.6M | $18.1M | $3.9M | $327K | 1.23% | 5.90% | 3.04% | 2,809 |
| Q3 2024 | $25.6M | $21.3M | $18.7M | $3.9M | $271K | 1.41% | 6.13% | 1.99% | 2,521 |
| Q2 2024 | $25.3M | $21.4M | $18.8M | $3.7M | $85K | 0.67% | 6.05% | 1.50% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.62% | 0.60% | 12th | |
Return on equity Annualized net income ÷ equity or net worth | -4.7% | 4.1% | 11th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.00% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,497 |
Loan mix (Q1 2026): real estate $0 · commercial $279K · consumer $19.9M · securities $2.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.8% | 81.5% | 27th |
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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