| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.5% | +1.3% | +1.2 pts |
| Share growth (YoY) | +2.4% | +0.7% | +1.7 pts |
| Loan growth (YoY) | -2.4% | -2.4% | +0.0 pts |
| ROA | 0.42% | 0.60% | -0.2 pts |
| ROE | 4.5% | 4.1% | +0.4 pts |
ROA ranks in the 41st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $42.5M | $38.2M | $24.1M | $4.0M | $45K | 0.42% | 4.15% | 0.15% | 3,400 |
| Q4 2025 | $42.3M | $38.2M | $24.2M | $3.9M | $171K | 0.41% | 4.31% | 0.37% | 3,370 |
| Q3 2025 | $43.1M | $38.8M | $24.1M | $4.0M | $175K | 0.54% | 4.20% | 0.46% | 3,343 |
| Q2 2025 | $42.4M | $38.2M | $24.6M | $3.9M | $137K | 0.65% | 4.20% | 0.84% | 3,322 |
| Q1 2025 | $41.5M | $37.4M | $24.7M | $3.9M | $109K | 1.05% | 4.30% | 1.03% | 3,329 |
| Q4 2024 | $42.0M | $38.0M | $25.1M | $3.8M | $247K | 0.59% | 4.05% | 1.02% | 3,316 |
| Q3 2024 | $42.8M | $38.7M | $26.6M | $3.8M | $196K | 0.61% | 3.88% | 0.33% | 3,303 |
| Q2 2024 | $41.4M | $37.4M | $27.0M | $3.7M | $132K | 0.64% | 3.96% | 0.33% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.42% | 0.60% | 41th | |
Return on equity Annualized net income ÷ equity or net worth | 4.5% | 4.1% | 54th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.15% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,279 |
Loan mix (Q1 2026): real estate $9.8M · commercial $0 · consumer $12.7M · securities $13.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 91.0% | 81.5% | 71th |
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.