| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.2% | +1.3% | -0.1 pts |
| Share growth (YoY) | -0.0% | +0.7% | -0.7 pts |
| Loan growth (YoY) | -2.3% | -2.4% | +0.1 pts |
| ROA | 1.29% | 0.60% | +0.7 pts |
| ROE | 12.4% | 4.1% | +8.3 pts |
ROA ranks in the 79th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $46.0M | $40.8M | $27.2M | $4.8M | $149K | 1.29% | 4.27% | 1.29% | 3,725 |
| Q4 2025 | $45.2M | $39.9M | $28.3M | $4.6M | $593K | 1.31% | 3.92% | 1.84% | 3,724 |
| Q3 2025 | $45.6M | $40.7M | $28.3M | $4.6M | $501K | 1.46% | 3.98% | 0.80% | 3,790 |
| Q2 2025 | $46.3M | $41.2M | $28.2M | $4.4M | $369K | 1.59% | 3.81% | 0.70% | 3,794 |
| Q1 2025 | $45.5M | $40.8M | $27.9M | $4.2M | $139K | 1.22% | 3.74% | 0.61% | 3,800 |
| Q4 2024 | $44.1M | $39.5M | $28.6M | $4.1M | $546K | 1.24% | 3.81% | 0.50% | 3,828 |
| Q3 2024 | $43.6M | $39.4M | $28.5M | $3.8M | $338K | 1.03% | 3.81% | 0.50% | 3,837 |
| Q2 2024 | $42.3M | $37.9M | $28.5M | $3.7M | $203K | 0.96% | 3.84% | 0.67% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.29% | 0.60% | 79th | |
Return on equity Annualized net income ÷ equity or net worth | 12.4% | 4.1% | 92th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.27% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,830 |
Loan mix (Q1 2026): real estate $5.1M · commercial $0 · consumer $20.6M · securities $14.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.2% | 81.5% | 18th |
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.