| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.5% | +1.3% | +3.2 pts |
| Share growth (YoY) | +4.3% | +0.7% | +3.6 pts |
| Loan growth (YoY) | -5.7% | -2.4% | -3.3 pts |
| ROA | 0.59% | 0.60% | -0.0 pts |
| ROE | 5.9% | 4.1% | +1.8 pts |
ROA ranks in the 49th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $18.5M | $16.6M | $2.0M | $1.8M | $27K | 0.59% | 3.53% | 0.06% | 3,169 |
| Q4 2025 | $17.8M | $16.0M | $2.2M | $1.8M | $66K | 0.37% | 3.09% | 0.07% | 3,158 |
| Q3 2025 | $17.2M | $15.4M | $2.3M | $1.8M | $36K | 0.28% | 3.05% | 0.14% | 3,133 |
| Q2 2025 | $18.2M | $16.4M | $2.1M | $1.8M | $8K | 0.09% | 2.71% | 0.14% | 3,110 |
| Q1 2025 | $17.7M | $15.9M | $2.2M | $1.7M | $-12K | -0.27% | 2.54% | 0.07% | 3,104 |
| Q4 2024 | $17.2M | $15.4M | $2.2M | $1.8M | $18K | 0.10% | 2.89% | 0.10% | 3,075 |
| Q3 2024 | $16.7M | $14.8M | $2.3M | $1.8M | $37K | 0.30% | 2.96% | 0.01% | 3,073 |
| Q2 2024 | $17.9M | $16.0M | $2.1M | $1.8M | $-3K | -0.03% | 2.71% | 0.11% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.59% | 0.60% | 49th | |
Return on equity Annualized net income ÷ equity or net worth | 5.9% | 4.1% | 63th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.53% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,089 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $2.0M · securities $15.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 85.0% | 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.