| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.8% | +1.3% | +9.5 pts |
| Share growth (YoY) | +17.3% | +0.7% | +16.7 pts |
| Loan growth (YoY) | +5.5% | -2.4% | +7.8 pts |
| ROA | -0.30% | 0.60% | -0.9 pts |
| ROE | -3.1% | 4.1% | -7.2 pts |
ROA ranks in the 16th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $27.1M | $24.0M | $21.9M | $2.6M | $-20K | -0.30% | 5.25% | 0.37% | 1,827 |
| Q4 2025 | $26.3M | $23.4M | $22.1M | $2.6M | $-17K | -0.06% | 5.16% | 0.95% | 2,146 |
| Q3 2025 | $26.6M | $23.7M | $21.4M | $2.7M | $35K | 0.18% | 5.00% | 1.13% | 2,149 |
| Q2 2025 | $26.1M | $23.2M | $21.0M | $2.7M | $26K | 0.20% | 5.14% | 1.67% | 2,138 |
| Q1 2025 | $24.4M | $20.4M | $20.7M | $2.7M | $7K | 0.11% | 5.28% | 2.18% | 2,118 |
| Q4 2024 | $23.2M | $20.2M | $20.4M | $2.7M | $105K | 0.45% | 5.62% | 1.57% | 2,100 |
| Q3 2024 | $23.6M | $20.2M | $20.5M | $2.7M | $127K | 0.71% | 5.51% | 1.06% | 2,096 |
| Q2 2024 | $23.4M | $20.6M | $20.0M | $2.7M | $86K | 0.73% | 5.55% | 1.02% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.30% | 0.60% | 16th | |
Return on equity Annualized net income ÷ equity or net worth | -3.1% | 4.1% | 13th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.25% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,078 |
Loan mix (Q1 2026): real estate $840K · commercial $0 · consumer $18.4M · securities $2.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 100.1% | 81.5% | 85th |
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.