| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.2% | +1.3% | +8.9 pts |
| Share growth (YoY) | +9.4% | +0.7% | +8.8 pts |
| Loan growth (YoY) | +3.0% | -2.4% | +5.4 pts |
| ROA | 0.11% | 0.60% | -0.5 pts |
| ROE | 1.3% | 4.1% | -2.8 pts |
ROA ranks in the 26th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $39.0M | $36.6M | $19.0M | $3.3M | $11K | 0.11% | 4.20% | 0.78% | 3,515 |
| Q4 2025 | $37.3M | $34.9M | $19.1M | $3.3M | $266K | 0.71% | 4.23% | 2.50% | 3,512 |
| Q3 2025 | $37.1M | $34.7M | $19.0M | $3.2M | $235K | 0.84% | 4.24% | 2.29% | 3,555 |
| Q2 2025 | $37.0M | $34.9M | $18.4M | $3.2M | $156K | 0.85% | 4.17% | 3.06% | 3,456 |
| Q1 2025 | $35.4M | $33.5M | $18.4M | $3.1M | $90K | 1.01% | 4.33% | 1.65% | 3,488 |
| Q4 2024 | $34.2M | $32.5M | $18.7M | $3.0M | $237K | 0.69% | 4.05% | 1.42% | 3,422 |
| Q3 2024 | $33.5M | $31.6M | $19.1M | $2.9M | $167K | 0.67% | 4.11% | 2.00% | 3,533 |
| Q2 2024 | $33.1M | $31.6M | $19.0M | $2.9M | $124K | 0.75% | 4.09% | 1.70% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.11% | 0.60% | 26th | |
Return on equity Annualized net income ÷ equity or net worth | 1.3% | 4.1% | 30th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.20% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,414 |
Loan mix (Q1 2026): real estate $6.8M · commercial $0 · consumer $10.8M · securities $12.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 85.1% | 81.5% | 58th |
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.