| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.0% | +1.3% | +0.7 pts |
| Share growth (YoY) | +0.7% | +0.7% | +0.0 pts |
| Loan growth (YoY) | +0.4% | -2.4% | +2.8 pts |
| ROA | 0.46% | 0.60% | -0.1 pts |
| ROE | 3.1% | 4.1% | -1.0 pts |
ROA ranks in the 42nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $74.6M | $63.1M | $60.7M | $10.9M | $86K | 0.46% | 3.94% | 1.17% | 5,532 |
| Q4 2025 | $76.9M | $65.8M | $60.6M | $10.8M | $858K | 1.12% | 4.18% | 1.48% | 5,538 |
| Q3 2025 | $75.2M | $64.1M | $61.4M | $10.6M | $682K | 1.21% | 4.28% | 1.10% | 5,603 |
| Q2 2025 | $73.9M | $63.0M | $61.2M | $10.4M | $470K | 1.27% | 4.32% | 0.95% | 5,619 |
| Q1 2025 | $73.2M | $62.7M | $60.4M | $10.2M | $213K | 1.16% | 4.36% | 1.07% | 5,644 |
| Q4 2024 | $72.8M | $61.9M | $61.4M | $9.9M | $970K | 1.33% | 4.37% | 1.07% | 5,727 |
| Q3 2024 | $73.0M | $63.0M | $61.4M | $9.7M | $714K | 1.30% | 4.30% | 1.33% | 5,758 |
| Q2 2024 | $73.2M | $63.4M | $60.9M | $9.4M | $437K | 1.19% | 4.20% | 0.81% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.46% | 0.60% | 42th | |
Return on equity Annualized net income ÷ equity or net worth | 3.1% | 4.1% | 43th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.94% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 5,750 |
Loan mix (Q1 2026): real estate $36.5M · commercial $0 · consumer $6.7M · securities $3.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 84.3% | 81.5% | 56th |
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.