| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.8% | +1.3% | +2.5 pts |
| Share growth (YoY) | +4.4% | +0.7% | +3.7 pts |
| Loan growth (YoY) | -4.1% | -2.4% | -1.8 pts |
| ROA | 0.56% | 0.60% | -0.0 pts |
| ROE | 6.0% | 4.1% | +1.9 pts |
ROA ranks in the 47th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $56.7M | $51.2M | $20.4M | $5.3M | $79K | 0.56% | 2.55% | 4.09% | 3,147 |
| Q4 2025 | $55.0M | $49.6M | $20.7M | $5.2M | $167K | 0.30% | 2.14% | 3.80% | 3,152 |
| Q3 2025 | $54.0M | $48.5M | $20.5M | $5.2M | $136K | 0.34% | 2.16% | 0.06% | 3,157 |
| Q2 2025 | $55.4M | $50.0M | $21.1M | $5.2M | $112K | 0.41% | 2.09% | 0.04% | 3,157 |
| Q1 2025 | $54.6M | $49.1M | $21.3M | $5.1M | $11K | 0.08% | 2.02% | 0.11% | 3,158 |
| Q4 2024 | $52.3M | $47.0M | $21.6M | $5.1M | $82K | 0.16% | 2.08% | 0.18% | 3,156 |
| Q3 2024 | $52.5M | $47.0M | $21.5M | $5.0M | $28K | 0.07% | 1.98% | 0.10% | 3,158 |
| Q2 2024 | $53.7M | $48.1M | $21.5M | $4.9M | $-25K | -0.09% | 1.76% | 0.43% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.56% | 0.60% | 47th | |
Return on equity Annualized net income ÷ equity or net worth | 6.0% | 4.1% | 64th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.55% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,233 |
Loan mix (Q1 2026): real estate $7.7M · commercial $0 · consumer $10.3M · securities $25.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.2% | 81.5% | 42th |
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.