| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.3% | +1.3% | +8.0 pts |
| Share growth (YoY) | +9.7% | +0.7% | +9.0 pts |
| Loan growth (YoY) | -5.1% | -2.4% | -2.8 pts |
| ROA | 0.62% | 0.60% | +0.0 pts |
| ROE | 5.1% | 4.1% | +1.0 pts |
ROA ranks in the 51st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $41.2M | $36.4M | $8.8M | $5.1M | $64K | 0.62% | 2.78% | 0.13% | 3,680 |
| Q4 2025 | $40.4M | $35.7M | $9.0M | $5.0M | $299K | 0.74% | 2.83% | 1.03% | 3,690 |
| Q3 2025 | $39.7M | $35.0M | $9.4M | $4.9M | $217K | 0.73% | 2.82% | 0.75% | 3,720 |
| Q2 2025 | $38.3M | $33.8M | $9.4M | $4.8M | $135K | 0.70% | 2.84% | 0.10% | 3,746 |
| Q1 2025 | $37.7M | $33.2M | $9.3M | $4.8M | $62K | 0.66% | 2.82% | 0.13% | 3,748 |
| Q4 2024 | $37.9M | $33.5M | $9.4M | $4.7M | $246K | 0.65% | 2.62% | 0.22% | 3,759 |
| Q3 2024 | $37.3M | $33.0M | $9.7M | $4.6M | $151K | 0.54% | 2.60% | 0.62% | 3,793 |
| Q2 2024 | $37.6M | $33.4M | $9.4M | $4.5M | $87K | 0.46% | 2.52% | 0.66% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.62% | 0.60% | 51th | |
Return on equity Annualized net income ÷ equity or net worth | 5.1% | 4.1% | 57th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.78% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,813 |
Loan mix (Q1 2026): real estate $5.0M · commercial $0 · consumer $3.2M · securities $21.9M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.7% | 81.5% | 48th |
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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