| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.6% | +1.3% | +2.3 pts |
| Share growth (YoY) | +2.3% | +0.7% | +1.6 pts |
| Loan growth (YoY) | -8.3% | -2.4% | -5.9 pts |
| ROA | 0.53% | 0.60% | -0.1 pts |
| ROE | 4.4% | 4.1% | +0.3 pts |
ROA ranks in the 46th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $41.1M | $36.4M | $16.7M | $5.0M | $55K | 0.53% | 3.67% | 0.74% | 3,075 |
| Q4 2025 | $39.3M | $34.7M | $17.2M | $4.9M | $593K | 1.51% | 4.03% | 0.96% | 3,095 |
| Q3 2025 | $39.6M | $35.1M | $17.7M | $4.7M | $436K | 1.47% | 3.97% | 0.77% | 3,117 |
| Q2 2025 | $39.1M | $34.8M | $18.0M | $4.6M | $272K | 1.39% | 3.95% | 0.60% | 3,142 |
| Q1 2025 | $39.7M | $35.6M | $18.2M | $4.4M | $71K | 0.72% | 3.70% | 0.88% | 3,192 |
| Q4 2024 | $39.0M | $34.9M | $18.3M | $4.3M | $553K | 1.42% | 3.75% | 1.09% | 3,229 |
| Q3 2024 | $39.3M | $35.3M | $18.6M | $4.2M | $467K | 1.59% | 3.69% | 1.08% | 3,261 |
| Q2 2024 | $40.6M | $36.9M | $18.8M | $4.1M | $320K | 1.58% | 3.47% | 0.97% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.53% | 0.60% | 46th | |
Return on equity Annualized net income ÷ equity or net worth | 4.4% | 4.1% | 52th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.67% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,285 |
Loan mix (Q1 2026): real estate $10.7M · commercial $0 · consumer $5.7M · securities $13.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 84.3% | 81.5% | 57th |
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.