| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.5% | +1.3% | +4.2 pts |
| Share growth (YoY) | +4.4% | +0.7% | +3.7 pts |
| Loan growth (YoY) | -2.7% | -2.4% | -0.3 pts |
| ROA | 1.21% | 0.60% | +0.6 pts |
| ROE | 11.2% | 4.1% | +7.1 pts |
ROA ranks in the 77th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $44.7M | $39.8M | $23.0M | $4.9M | $136K | 1.21% | 4.39% | 0.40% | 2,784 |
| Q4 2025 | $43.1M | $38.3M | $23.0M | $4.7M | $671K | 1.56% | 4.53% | 0.49% | 2,814 |
| Q3 2025 | $43.4M | $38.8M | $23.6M | $4.5M | $493K | 1.51% | 4.46% | 0.54% | 2,814 |
| Q2 2025 | $42.9M | $38.6M | $23.3M | $4.3M | $294K | 1.37% | 4.42% | 0.34% | 2,818 |
| Q1 2025 | $42.4M | $38.2M | $23.7M | $4.2M | $126K | 1.19% | 4.42% | 0.49% | 2,768 |
| Q4 2024 | $40.7M | $36.6M | $24.6M | $4.0M | $622K | 1.53% | 4.43% | 0.65% | 2,877 |
| Q3 2024 | $41.3M | $37.2M | $25.4M | $3.9M | $455K | 1.47% | 4.27% | 0.38% | 2,897 |
| Q2 2024 | $41.2M | $37.3M | $25.2M | $3.7M | $294K | 1.43% | 4.16% | 0.36% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.21% | 0.60% | 77th | |
Return on equity Annualized net income ÷ equity or net worth | 11.2% | 4.1% | 89th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.39% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,916 |
Loan mix (Q1 2026): real estate $11.5M · commercial $457K · consumer $9.1M · securities $15.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.5% | 81.5% | 28th |
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.