| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.9% | +1.3% | +2.6 pts |
| Share growth (YoY) | +2.4% | +0.7% | +1.7 pts |
| Loan growth (YoY) | -4.5% | -2.4% | -2.1 pts |
| ROA | 1.20% | 0.60% | +0.6 pts |
| ROE | 10.8% | 4.1% | +6.7 pts |
ROA ranks in the 76th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $45.0M | $39.9M | $27.6M | $5.0M | $135K | 1.20% | 4.27% | 1.58% | 8,668 |
| Q4 2025 | $43.4M | $38.4M | $27.5M | $4.8M | $685K | 1.58% | 4.39% | 2.55% | 9,315 |
| Q3 2025 | $43.6M | $38.7M | $28.3M | $4.7M | $553K | 1.69% | 4.36% | 1.75% | 9,353 |
| Q2 2025 | $43.5M | $38.9M | $28.8M | $4.5M | $476K | 2.19% | 4.28% | 1.68% | 9,344 |
| Q1 2025 | $43.3M | $39.0M | $28.9M | $4.3M | $151K | 1.39% | 4.15% | 0.99% | 9,326 |
| Q4 2024 | $40.7M | $36.6M | $28.9M | $4.1M | $252K | 0.62% | 4.28% | 1.28% | 9,342 |
| Q3 2024 | $41.7M | $37.6M | $28.9M | $4.0M | $-46K | -0.15% | 4.09% | 1.17% | 9,335 |
| Q2 2024 | $43.1M | $39.2M | $29.4M | $3.9M | $41K | 0.19% | 3.87% | 0.84% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.20% | 0.60% | 76th | |
Return on equity Annualized net income ÷ equity or net worth | 10.8% | 4.1% | 88th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.27% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 9,328 |
Loan mix (Q1 2026): real estate $5.2M · commercial $0 · consumer $21.5M · securities $11.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.9% | 81.5% | 29th |
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.