| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.4% | +1.3% | +4.1 pts |
| Share growth (YoY) | +4.2% | +0.7% | +3.5 pts |
| Loan growth (YoY) | -2.4% | -2.4% | -0.0 pts |
| ROA | 1.00% | 0.60% | +0.4 pts |
| ROE | 7.6% | 4.1% | +3.5 pts |
ROA ranks in the 69th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $28.4M | $24.4M | $11.8M | $3.7M | $71K | 1.00% | 4.25% | 0.30% | 2,163 |
| Q4 2025 | $27.0M | $23.1M | $12.1M | $3.7M | $525K | 1.95% | 4.51% | 0.78% | 2,159 |
| Q3 2025 | $26.6M | $22.8M | $12.0M | $3.5M | $388K | 1.94% | 4.49% | 0.42% | 2,150 |
| Q2 2025 | $27.3M | $23.6M | $12.5M | $3.4M | $269K | 1.97% | 4.34% | 0.42% | 2,165 |
| Q1 2025 | $26.9M | $23.4M | $12.1M | $3.3M | $127K | 1.89% | 4.31% | 1.30% | 2,160 |
| Q4 2024 | $26.1M | $22.7M | $12.7M | $3.1M | $517K | 1.98% | 4.51% | 0.21% | 2,155 |
| Q3 2024 | $26.8M | $23.3M | $12.9M | $3.0M | $395K | 1.97% | 4.39% | 0.00% | 2,158 |
| Q2 2024 | $26.4M | $23.1M | $12.8M | $2.9M | $242K | 1.84% | 4.35% | 0.05% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.00% | 0.60% | 69th | |
Return on equity Annualized net income ÷ equity or net worth | 7.6% | 4.1% | 73th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.25% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,177 |
Loan mix (Q1 2026): real estate $1.9M · commercial $0 · consumer $8.2M · securities $12.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 68.7% | 81.5% | 24th |
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.