| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.1% | +1.3% | -1.2 pts |
| Share growth (YoY) | +0.5% | +0.7% | -0.2 pts |
| Loan growth (YoY) | +5.3% | -2.4% | +7.6 pts |
| ROA | 0.87% | 0.60% | +0.3 pts |
| ROE | 6.4% | 4.1% | +2.3 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 | $8.8M | $7.7M | $5.2M | $1.2M | $19K | 0.87% | 4.61% | 2.41% | 1,233 |
| Q4 2025 | $8.9M | $7.6M | $5.3M | $1.2M | $49K | 0.55% | 4.76% | 2.35% | 1,244 |
| Q3 2025 | $8.7M | $7.6M | $5.3M | $1.2M | $36K | 0.54% | 4.80% | 0.00% | 1,245 |
| Q2 2025 | $8.9M | $7.7M | $5.1M | $1.2M | $31K | 0.69% | 4.65% | 0.14% | 1,240 |
| Q1 2025 | $8.8M | $7.7M | $4.9M | $1.2M | $27K | 1.24% | 4.70% | 0.00% | 1,232 |
| Q4 2024 | $8.9M | $7.7M | $5.4M | $1.1M | $-17K | -0.19% | 4.84% | 0.50% | 1,239 |
| Q3 2024 | $9.2M | $8.1M | $5.3M | $1.1M | $-22K | -0.32% | 4.65% | 0.00% | 1,244 |
| Q2 2024 | $9.1M | $7.9M | $5.2M | $1.1M | $-26K | -0.58% | 4.55% | 0.20% | 1,248 |
| 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 | 6.4% | 4.1% | 66th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.61% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $125K · commercial $0 · consumer $4.7M · securities $2.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 93.8% | 81.5% | 76th |
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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