| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.3% | +1.3% | +5.0 pts |
| Share growth (YoY) | +7.3% | +0.7% | +6.6 pts |
| Loan growth (YoY) | +3.1% | -2.4% | +5.5 pts |
| ROA | 0.35% | 0.60% | -0.3 pts |
| ROE | 4.6% | 4.1% | +0.5 pts |
ROA ranks in the 37th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $58.6M | $54.0M | $43.9M | $4.5M | $51K | 0.35% | 5.01% | 0.62% | 4,911 |
| Q4 2025 | $56.9M | $52.2M | $43.3M | $4.4M | $184K | 0.32% | 5.24% | 0.61% | 4,938 |
| Q3 2025 | $55.8M | $51.1M | $43.2M | $4.4M | $134K | 0.32% | 5.32% | 1.01% | 4,990 |
| Q2 2025 | $56.6M | $51.9M | $42.4M | $4.3M | $76K | 0.27% | 5.11% | 0.61% | 5,037 |
| Q1 2025 | $55.2M | $50.3M | $42.6M | $4.3M | $37K | 0.27% | 5.14% | 0.55% | 5,050 |
| Q4 2024 | $52.4M | $48.0M | $42.8M | $4.2M | $107K | 0.20% | 5.11% | 0.68% | 5,033 |
| Q3 2024 | $52.3M | $47.6M | $41.7M | $4.2M | $81K | 0.21% | 5.01% | 0.99% | 5,049 |
| Q2 2024 | $53.2M | $48.2M | $41.0M | $4.2M | $53K | 0.20% | 4.87% | 0.82% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.35% | 0.60% | 37th | |
Return on equity Annualized net income ÷ equity or net worth | 4.6% | 4.1% | 54th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.01% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 5,063 |
Loan mix (Q1 2026): real estate $22.1M · commercial $0 · consumer $20.9M · securities $4.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.0% | 81.5% | 46th |
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.