| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.8% | +1.3% | +0.5 pts |
| Share growth (YoY) | +1.1% | +0.7% | +0.4 pts |
| Loan growth (YoY) | -3.0% | -2.4% | -0.6 pts |
| ROA | 0.87% | 0.60% | +0.3 pts |
| ROE | 5.8% | 4.1% | +1.7 pts |
ROA ranks in the 64th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $20.9M | $17.7M | $10.5M | $3.2M | $46K | 0.87% | 3.62% | 1.90% | 2,580 |
| Q4 2025 | $20.2M | $17.1M | $10.8M | $3.1M | $172K | 0.85% | 3.50% | 1.88% | 2,533 |
| Q3 2025 | $20.7M | $17.6M | $10.8M | $3.1M | $117K | 0.76% | 3.41% | 0.84% | 2,559 |
| Q2 2025 | $20.4M | $17.3M | $10.9M | $3.0M | $74K | 0.72% | 3.41% | 0.83% | 2,545 |
| Q1 2025 | $20.6M | $17.6M | $10.8M | $3.0M | $32K | 0.63% | 3.36% | 0.94% | 2,553 |
| Q4 2024 | $20.1M | $17.1M | $11.0M | $3.0M | $161K | 0.80% | 3.33% | 0.78% | 2,532 |
| Q3 2024 | $20.7M | $17.7M | $11.3M | $2.9M | $115K | 0.74% | 3.23% | 0.66% | 2,476 |
| Q2 2024 | $20.4M | $17.4M | $11.1M | $2.9M | $88K | 0.87% | 3.29% | 0.62% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.87% | 0.60% | 64th | |
Return on equity Annualized net income ÷ equity or net worth | 5.8% | 4.1% | 62th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.62% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,476 |
Loan mix (Q1 2026): real estate $2.2M · commercial $0 · consumer $8.1M · securities $7.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.4% | 81.5% | 38th |
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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