| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.2% | +1.3% | +4.9 pts |
| Share growth (YoY) | +7.3% | +0.7% | +6.6 pts |
| Loan growth (YoY) | -1.7% | -2.4% | +0.7 pts |
| ROA | 0.84% | 0.60% | +0.2 pts |
| ROE | 3.3% | 4.1% | -0.8 pts |
ROA ranks in the 62nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $14.9M | $11.2M | $7.9M | $3.7M | $31K | 0.84% | 3.81% | 0.06% | 1,392 |
| Q4 2025 | $14.2M | $10.5M | $8.1M | $3.7M | $159K | 1.12% | 4.24% | 0.20% | 1,394 |
| Q3 2025 | $14.3M | $10.5M | $8.3M | $3.7M | $145K | 1.35% | 4.24% | 0.08% | 1,404 |
| Q2 2025 | $14.4M | $10.7M | $8.2M | $3.6M | $97K | 1.35% | 4.18% | 0.00% | 1,409 |
| Q1 2025 | $14.1M | $10.4M | $8.1M | $3.6M | $54K | 1.53% | 4.23% | 0.06% | 1,412 |
| Q4 2024 | $14.2M | $10.6M | $8.2M | $3.5M | $176K | 1.24% | 4.32% | 0.11% | 1,415 |
| Q3 2024 | $14.0M | $10.5M | $8.4M | $3.5M | $139K | 1.33% | 4.36% | 0.11% | 1,438 |
| Q2 2024 | $13.9M | $10.4M | $8.1M | $3.5M | $94K | 1.35% | 4.38% | 0.20% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.84% | 0.60% | 62th | |
Return on equity Annualized net income ÷ equity or net worth | 3.3% | 4.1% | 45th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.81% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,445 |
Loan mix (Q1 2026): real estate $1.3M · commercial $0 · consumer $6.1M · securities $6.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.0% | 81.5% | 44th |
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.