| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.1% | +1.3% | +4.8 pts |
| Share growth (YoY) | +5.4% | +0.7% | +4.7 pts |
| Loan growth (YoY) | -1.4% | -2.4% | +0.9 pts |
| ROA | 1.54% | 0.60% | +0.9 pts |
| ROE | 10.3% | 4.1% | +6.2 pts |
ROA ranks in the 86th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $22.9M | $19.4M | $14.7M | $3.4M | $88K | 1.54% | 4.50% | 0.94% | 2,186 |
| Q4 2025 | $22.0M | $18.5M | $14.6M | $3.3M | $385K | 1.75% | 4.62% | 1.53% | 2,184 |
| Q3 2025 | $22.0M | $18.6M | $14.7M | $3.3M | $307K | 1.86% | 4.60% | 0.95% | 2,295 |
| Q2 2025 | $21.7M | $18.5M | $14.9M | $3.2M | $200K | 1.84% | 4.54% | 1.61% | 2,303 |
| Q1 2025 | $21.6M | $18.4M | $14.9M | $3.1M | $116K | 2.15% | 4.57% | 1.40% | 2,308 |
| Q4 2024 | $20.5M | $17.4M | $15.2M | $2.9M | $451K | 2.21% | 4.71% | 2.18% | 2,307 |
| Q3 2024 | $20.4M | $17.4M | $15.6M | $2.8M | $349K | 2.28% | 4.76% | 1.10% | 2,317 |
| Q2 2024 | $20.9M | $18.0M | $15.4M | $2.7M | $233K | 2.23% | 4.58% | 0.70% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.54% | 0.60% | 86th | |
Return on equity Annualized net income ÷ equity or net worth | 10.3% | 4.1% | 86th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.50% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,319 |
Loan mix (Q1 2026): real estate $2.9M · commercial $0 · consumer $10.6M · securities $3.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.9% | 81.5% | 19th |
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.