| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.7% | +1.3% | +3.4 pts |
| Share growth (YoY) | +3.7% | +0.7% | +3.1 pts |
| Loan growth (YoY) | -10.6% | -2.4% | -8.2 pts |
| ROA | 1.23% | 0.60% | +0.6 pts |
| ROE | 6.9% | 4.1% | +2.8 pts |
ROA ranks in the 78th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $35.1M | $28.7M | $9.7M | $6.3M | $108K | 1.23% | 3.95% | 1.23% | 2,931 |
| Q4 2025 | $35.2M | $29.0M | $9.9M | $6.2M | $548K | 1.56% | 3.93% | 1.70% | 2,823 |
| Q3 2025 | $33.3M | $27.2M | $10.7M | $6.0M | $419K | 1.68% | 4.21% | 1.06% | 2,810 |
| Q2 2025 | $34.3M | $28.3M | $10.7M | $5.9M | $270K | 1.57% | 4.02% | 1.28% | 2,909 |
| Q1 2025 | $33.5M | $27.7M | $10.8M | $5.7M | $103K | 1.23% | 3.87% | 1.36% | 2,916 |
| Q4 2024 | $33.4M | $27.7M | $11.1M | $5.6M | $387K | 1.16% | 4.03% | 1.28% | 2,959 |
| Q3 2024 | $32.1M | $26.5M | $11.9M | $5.5M | $273K | 1.13% | 4.17% | 1.21% | 2,961 |
| Q2 2024 | $32.5M | $27.0M | $11.8M | $5.4M | $163K | 1.00% | 4.08% | 1.34% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.23% | 0.60% | 78th | |
Return on equity Annualized net income ÷ equity or net worth | 6.9% | 4.1% | 70th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.95% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,069 |
Loan mix (Q1 2026): real estate $667K · commercial $0 · consumer $7.3M · securities $15.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.3% | 81.5% | 31th |
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.