| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.6% | +1.3% | -0.7 pts |
| Share growth (YoY) | +0.6% | +0.7% | -0.1 pts |
| Loan growth (YoY) | -10.2% | -2.4% | -7.9 pts |
| ROA | 2.11% | 0.60% | +1.5 pts |
| ROE | 19.7% | 4.1% | +15.6 pts |
ROA ranks in the 95th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $25.0M | $22.2M | $12.5M | $2.7M | $132K | 2.11% | 3.98% | 0.20% | 3,059 |
| Q4 2025 | $24.5M | $21.8M | $12.8M | $2.5M | $59K | 0.24% | 4.23% | 0.19% | 3,075 |
| Q3 2025 | $24.0M | $21.4M | $13.4M | $2.5M | $-3K | -0.01% | 4.30% | 0.71% | 3,102 |
| Q2 2025 | $23.9M | $21.2M | $13.8M | $2.6M | $90K | 0.75% | 4.26% | 0.98% | 3,125 |
| Q1 2025 | $24.9M | $22.0M | $13.9M | $2.7M | $-32K | -0.52% | 3.98% | 1.00% | 3,160 |
| Q4 2024 | $24.1M | $21.5M | $14.7M | $2.5M | $158K | 0.66% | 4.19% | 1.38% | 3,216 |
| Q3 2024 | $23.5M | $20.9M | $14.8M | $2.4M | $82K | 0.46% | 4.29% | 1.00% | 3,207 |
| Q2 2024 | $23.5M | $21.0M | $15.2M | $2.2M | $-40K | -0.34% | 4.25% | 0.33% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.11% | 0.60% | 95th | |
Return on equity Annualized net income ÷ equity or net worth | 19.7% | 4.1% | 98th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.98% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,220 |
Loan mix (Q1 2026): real estate $3.6M · commercial $0 · consumer $8.7M · securities $11.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.3% | 81.5% | 52th |
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.