| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.6% | +1.3% | +2.3 pts |
| Share growth (YoY) | +3.4% | +0.7% | +2.8 pts |
| Loan growth (YoY) | +2.4% | -2.4% | +4.8 pts |
| ROA | 0.31% | 0.60% | -0.3 pts |
| ROE | 3.5% | 4.1% | -0.6 pts |
ROA ranks in the 35th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $98.7M | $89.4M | $62.2M | $8.8M | $76K | 0.31% | 4.00% | 1.52% | 9,125 |
| Q4 2025 | $99.0M | $89.6M | $63.3M | $8.7M | $416K | 0.42% | 3.89% | 1.69% | 9,141 |
| Q3 2025 | $96.4M | $87.0M | $63.3M | $8.7M | $344K | 0.48% | 3.91% | 1.43% | 9,203 |
| Q2 2025 | $96.5M | $87.3M | $62.3M | $8.5M | $173K | 0.36% | 3.83% | 1.05% | 9,235 |
| Q1 2025 | $95.2M | $86.4M | $60.8M | $8.3M | $-11K | -0.04% | 3.72% | 0.84% | 9,232 |
| Q4 2024 | $94.9M | $86.3M | $59.9M | $8.3M | $186K | 0.20% | 3.58% | 1.00% | 9,098 |
| Q3 2024 | $93.4M | $84.9M | $60.7M | $8.3M | $177K | 0.25% | 3.57% | 0.98% | 9,165 |
| Q2 2024 | $94.9M | $86.9M | $61.5M | $8.2M | $64K | 0.13% | 3.46% | 0.65% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.31% | 0.60% | 35th | |
Return on equity Annualized net income ÷ equity or net worth | 3.5% | 4.1% | 46th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.00% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 9,212 |
Loan mix (Q1 2026): real estate $25.8M · commercial $1.9M · consumer $29.4M · securities $29.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 88.1% | 81.5% | 66th |
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% |
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