| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +13.1% | +1.3% | +11.8 pts |
| Share growth (YoY) | +13.4% | +0.7% | +12.7 pts |
| Loan growth (YoY) | +0.3% | -2.4% | +2.7 pts |
| ROA | 0.07% | 0.60% | -0.5 pts |
| ROE | 0.9% | 4.1% | -3.2 pts |
ROA ranks in the 24th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $22.6M | $20.9M | $11.6M | $1.6M | $4K | 0.07% | 5.20% | 1.26% | 5,547 |
| Q4 2025 | $21.5M | $19.8M | $11.8M | $1.6M | $149K | 0.69% | 5.33% | 0.69% | 5,541 |
| Q3 2025 | $21.2M | $19.5M | $11.8M | $1.6M | $116K | 0.73% | 5.34% | 0.79% | 5,479 |
| Q2 2025 | $20.3M | $18.7M | $11.7M | $1.5M | $51K | 0.50% | 5.47% | 1.28% | 5,340 |
| Q1 2025 | $20.0M | $18.4M | $11.6M | $1.5M | $14K | 0.27% | 5.36% | 1.77% | 5,073 |
| Q4 2024 | $18.7M | $17.2M | $11.7M | $1.5M | $166K | 0.89% | 5.74% | 1.20% | 4,922 |
| Q3 2024 | $19.0M | $17.5M | $11.9M | $1.4M | $138K | 0.97% | 5.64% | 0.49% | 4,544 |
| Q2 2024 | $18.6M | $17.1M | $12.0M | $1.4M | $112K | 1.21% | 5.67% | 0.00% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.07% | 0.60% | 24th | |
Return on equity Annualized net income ÷ equity or net worth | 0.9% | 4.1% | 27th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.20% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 4,443 |
Loan mix (Q1 2026): real estate $195K · commercial $0 · consumer $10.1M · securities $8.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.3% | 81.5% | 35th |
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.