| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.2% | +1.3% | +1.9 pts |
| Share growth (YoY) | +3.0% | +0.7% | +2.4 pts |
| Loan growth (YoY) | -9.5% | -2.4% | -7.1 pts |
| ROA | 0.87% | 0.60% | +0.3 pts |
| ROE | 5.2% | 4.1% | +1.1 pts |
ROA ranks in the 63rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $44.6M | $37.0M | $15.5M | $7.4M | $97K | 0.87% | 3.87% | 2.26% | 2,960 |
| Q4 2025 | $43.3M | $35.7M | $15.9M | $7.3M | $135K | 0.31% | 3.57% | 1.82% | 2,986 |
| Q3 2025 | $43.2M | $35.7M | $16.4M | $7.3M | $107K | 0.33% | 3.52% | 3.08% | 3,026 |
| Q2 2025 | $42.7M | $35.3M | $16.8M | $7.3M | $56K | 0.26% | 3.51% | 2.67% | 2,985 |
| Q1 2025 | $43.2M | $35.9M | $17.2M | $7.2M | $25K | 0.23% | 3.36% | 3.11% | 3,042 |
| Q4 2024 | $41.8M | $34.4M | $17.5M | $7.2M | $152K | 0.36% | 3.22% | 3.63% | 3,127 |
| Q3 2024 | $42.1M | $34.8M | $17.9M | $7.1M | $72K | 0.23% | 3.14% | 2.17% | 3,184 |
| Q2 2024 | $42.0M | $34.7M | $18.2M | $7.1M | $33K | 0.16% | 3.07% | 2.41% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.87% | 0.60% | 63th | |
Return on equity Annualized net income ÷ equity or net worth | 5.2% | 4.1% | 58th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.87% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,254 |
Loan mix (Q1 2026): real estate $3.0M · commercial $0 · consumer $10.6M · securities $23.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.7% | 81.5% | 36th |
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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