| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.9% | +1.3% | +0.6 pts |
| Share growth (YoY) | -0.1% | +0.7% | -0.8 pts |
| Loan growth (YoY) | -6.6% | -2.4% | -4.3 pts |
| ROA | 1.21% | 0.60% | +0.6 pts |
| ROE | 7.0% | 4.1% | +2.9 pts |
ROA ranks in the 77th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $26.9M | $22.4M | $6.0M | $4.6M | $81K | 1.21% | 3.68% | 0.06% | 2,884 |
| Q4 2025 | $26.1M | $21.7M | $6.5M | $4.5M | $555K | 2.13% | 4.41% | 0.07% | 2,887 |
| Q3 2025 | $25.9M | $21.6M | $6.6M | $4.4M | $397K | 2.05% | 4.28% | 0.25% | 2,949 |
| Q2 2025 | $26.1M | $22.0M | $6.9M | $4.2M | $269K | 2.06% | 4.31% | 0.32% | 2,960 |
| Q1 2025 | $26.4M | $22.4M | $6.4M | $4.1M | $143K | 2.18% | 4.21% | 0.08% | 3,014 |
| Q4 2024 | $25.7M | $21.8M | $6.3M | $4.0M | $532K | 2.07% | 4.20% | 0.18% | 3,065 |
| Q3 2024 | $25.3M | $21.7M | $6.4M | $3.8M | $331K | 1.75% | 4.10% | 0.09% | 3,107 |
| Q2 2024 | $25.7M | $22.2M | $6.5M | $3.7M | $152K | 1.18% | 4.00% | 0.11% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.21% | 0.60% | 77th | |
Return on equity Annualized net income ÷ equity or net worth | 7.0% | 4.1% | 71th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.68% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,122 |
Loan mix (Q1 2026): real estate $925K · commercial $0 · consumer $5.0M · securities $15.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.0% | 81.5% | 26th |
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.