| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.6% | +1.3% | +3.3 pts |
| Share growth (YoY) | +3.5% | +0.7% | +2.8 pts |
| Loan growth (YoY) | -7.6% | -2.4% | -5.2 pts |
| ROA | 0.63% | 0.60% | +0.0 pts |
| ROE | 3.8% | 4.1% | -0.3 pts |
ROA ranks in the 51st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $52.9M | $43.9M | $32.6M | $8.7M | $83K | 0.63% | 4.93% | 0.75% | 5,049 |
| Q4 2025 | $50.2M | $41.2M | $33.9M | $8.7M | $1.0M | 2.04% | 5.25% | 1.22% | 5,022 |
| Q3 2025 | $51.7M | $43.0M | $34.2M | $8.4M | $702K | 1.81% | 5.09% | 0.71% | 4,992 |
| Q2 2025 | $48.7M | $40.3M | $34.5M | $8.1M | $470K | 1.93% | 5.35% | 0.42% | 4,995 |
| Q1 2025 | $50.6M | $42.4M | $35.3M | $7.9M | $277K | 2.19% | 5.10% | 0.71% | 5,040 |
| Q4 2024 | $48.0M | $39.9M | $35.5M | $7.7M | $900K | 1.87% | 5.15% | 0.78% | 4,999 |
| Q3 2024 | $48.0M | $40.1M | $36.0M | $7.5M | $743K | 2.06% | 5.07% | 0.44% | 4,942 |
| Q2 2024 | $48.1M | $40.5M | $34.5M | $7.2M | $414K | 1.72% | 4.91% | 0.77% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.63% | 0.60% | 51th | |
Return on equity Annualized net income ÷ equity or net worth | 3.8% | 4.1% | 48th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.93% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 4,890 |
Loan mix (Q1 2026): real estate $8.9M · commercial $2.6M · consumer $16.7M · securities $5.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.7% | 81.5% | 32th |
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.