| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.4% | +1.3% | +2.1 pts |
| Share growth (YoY) | +2.2% | +0.7% | +1.5 pts |
| Loan growth (YoY) | -9.9% | -2.4% | -7.5 pts |
| ROA | 1.59% | 0.60% | +1.0 pts |
| ROE | 5.2% | 4.1% | +1.1 pts |
ROA ranks in the 87th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $32.1M | $22.3M | $5.9M | $9.8M | $127K | 1.59% | 3.89% | 0.72% | 2,956 |
| Q4 2025 | $31.6M | $21.9M | $6.3M | $9.6M | $586K | 1.86% | 4.13% | 0.69% | 2,969 |
| Q3 2025 | $31.5M | $21.9M | $6.3M | $9.5M | $446K | 1.89% | 4.16% | 0.40% | 2,978 |
| Q2 2025 | $31.9M | $22.5M | $6.6M | $9.4M | $288K | 1.81% | 4.06% | 1.25% | 2,986 |
| Q1 2025 | $31.1M | $21.8M | $6.6M | $9.2M | $136K | 1.75% | 4.10% | 0.38% | 3,023 |
| Q4 2024 | $30.8M | $21.7M | $6.7M | $9.1M | $515K | 1.67% | 3.82% | 0.30% | 3,029 |
| Q3 2024 | $31.3M | $22.2M | $6.7M | $8.9M | $372K | 1.58% | 3.65% | 0.19% | 3,043 |
| Q2 2024 | $30.9M | $22.1M | $6.9M | $8.8M | $222K | 1.44% | 3.51% | 0.06% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.59% | 0.60% | 87th | |
Return on equity Annualized net income ÷ equity or net worth | 5.2% | 4.1% | 58th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.89% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,053 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $4.8M · securities $22.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 57.7% | 81.5% | 10th |
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.