| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.4% | +1.3% | +0.1 pts |
| Share growth (YoY) | +0.5% | +0.7% | -0.2 pts |
| Loan growth (YoY) | -7.0% | -2.4% | -4.6 pts |
| ROA | 0.81% | 0.60% | +0.2 pts |
| ROE | 8.1% | 4.1% | +4.0 pts |
ROA ranks in the 60th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $20.8M | $18.6M | $9.3M | $2.1M | $42K | 0.81% | 3.78% | 0.10% | 1,306 |
| Q4 2025 | $20.4M | $18.2M | $9.5M | $2.0M | $103K | 0.50% | 3.84% | 0.14% | 1,320 |
| Q3 2025 | $20.3M | $18.1M | $9.8M | $2.1M | $117K | 0.77% | 3.87% | 0.16% | 1,330 |
| Q2 2025 | $21.1M | $18.9M | $10.0M | $2.0M | $86K | 0.82% | 3.69% | 0.13% | 1,344 |
| Q1 2025 | $20.6M | $18.5M | $10.0M | $2.0M | $41K | 0.80% | 3.71% | 0.12% | 1,357 |
| Q4 2024 | $20.6M | $18.6M | $10.3M | $1.9M | $221K | 1.07% | 3.86% | 0.13% | 1,374 |
| Q3 2024 | $21.3M | $19.3M | $10.9M | $1.9M | $183K | 1.14% | 3.72% | 0.20% | 1,384 |
| Q2 2024 | $21.4M | $19.5M | $11.6M | $1.8M | $126K | 1.17% | 3.59% | 0.17% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.81% | 0.60% | 60th | |
Return on equity Annualized net income ÷ equity or net worth | 8.1% | 4.1% | 77th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.78% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,396 |
Loan mix (Q1 2026): real estate $4.5M · commercial $0 · consumer $3.9M · securities $8.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.9% | 81.5% | 46th |
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.