| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.2% | +1.3% | +6.9 pts |
| Share growth (YoY) | +5.9% | +0.7% | +5.2 pts |
| Loan growth (YoY) | -4.8% | -2.4% | -2.4 pts |
| ROA | 1.08% | 0.60% | +0.5 pts |
| ROE | 4.5% | 4.1% | +0.4 pts |
ROA ranks in the 72nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $35.8M | $27.6M | $27.5M | $8.5M | $97K | 1.08% | 7.07% | 1.96% | 12,316 |
| Q4 2025 | $34.5M | $27.9M | $29.4M | $8.4M | $1.7M | 5.07% | 7.78% | 1.31% | 12,125 |
| Q3 2025 | $34.2M | $25.9M | $30.4M | $8.7M | $2.1M | 8.06% | 7.85% | 1.50% | 11,553 |
| Q2 2025 | $33.0M | $26.0M | $30.0M | $7.5M | $789K | 4.78% | 8.03% | 0.87% | 10,997 |
| Q1 2025 | $33.1M | $26.1M | $28.9M | $7.3M | $579K | 7.00% | 7.98% | 1.24% | 10,527 |
| Q4 2024 | $30.0M | $25.1M | $28.1M | $6.7M | $557K | 1.85% | 8.14% | 1.43% | 10,022 |
| Q3 2024 | $30.7M | $24.0M | $28.0M | $6.9M | $785K | 3.41% | 7.91% | 1.60% | 9,565 |
| Q2 2024 | $29.6M | $23.5M | $26.4M | $6.0M | $362K | 2.44% | 7.98% | 1.38% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.08% | 0.60% | 72th | |
Return on equity Annualized net income ÷ equity or net worth | 4.5% | 4.1% | 54th | |
Net interest margin Interest income − interest expense, ÷ assets | 7.07% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 9,010 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $27.4M · securities $132K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 86.8% | 81.5% | 62th |
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.