| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.5% | +1.3% | +0.2 pts |
| Share growth (YoY) | +0.4% | +0.7% | -0.3 pts |
| Loan growth (YoY) | -13.4% | -2.4% | -11.0 pts |
| ROA | 1.01% | 0.60% | +0.4 pts |
| ROE | 5.8% | 4.1% | +1.7 pts |
ROA ranks in the 70th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $6.3M | $5.2M | $1.8M | $1.1M | $16K | 1.01% | 4.46% | 2.81% | 580 |
| Q4 2025 | $6.2M | $5.1M | $1.9M | $1.1M | $63K | 1.02% | 4.14% | 3.20% | 607 |
| Q3 2025 | $6.0M | $5.0M | $2.0M | $1.0M | $20K | 0.45% | 3.73% | 3.79% | 600 |
| Q2 2025 | $6.2M | $5.2M | $2.0M | $1.0M | $13K | 0.41% | 3.66% | 2.42% | 603 |
| Q1 2025 | $6.2M | $5.1M | $2.1M | $1.0M | $4K | 0.24% | 3.83% | 9.39% | 603 |
| Q4 2024 | $6.1M | $5.1M | $2.0M | $1.0M | $24K | 0.39% | 4.10% | 1.70% | 609 |
| Q3 2024 | $6.2M | $5.2M | $2.1M | $993K | $3K | 0.07% | 3.73% | 1.41% | 614 |
| Q2 2024 | $6.6M | $5.6M | $2.1M | $996K | $6K | 0.18% | 3.58% | 3.31% | 619 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $1.8M · securities $3.6M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.01% | 0.60% | 70th | |
Return on equity Annualized net income ÷ equity or net worth | 5.8% | 4.1% | 63th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.46% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.8% | 81.5% | 20th |
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.