| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -12.0% | +1.3% | -13.3 pts |
| Share growth (YoY) | -15.6% | +0.7% | -16.3 pts |
| Loan growth (YoY) | +21.9% | -2.4% | +24.2 pts |
| ROA | 1.23% | 0.60% | +0.6 pts |
| ROE | 4.4% | 4.1% | +0.3 pts |
ROA ranks in the 78th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $7.5M | $5.4M | $3.1M | $2.1M | $23K | 1.23% | 4.03% | 0.26% | 675 |
| Q4 2025 | $7.8M | $5.6M | $2.8M | $2.1M | $77K | 0.99% | 3.45% | 0.10% | 677 |
| Q3 2025 | $7.8M | $5.7M | $2.8M | $2.1M | $60K | 1.03% | 3.45% | 0.12% | 677 |
| Q2 2025 | $8.2M | $6.0M | $2.8M | $2.1M | $41K | 1.01% | 3.22% | 0.06% | 685 |
| Q1 2025 | $8.6M | $6.4M | $2.5M | $2.1M | $14K | 0.67% | 2.76% | 0.05% | 687 |
| Q4 2024 | $8.6M | $6.3M | $2.5M | $2.0M | $64K | 0.75% | 2.66% | 0.25% | 702 |
| Q3 2024 | $8.6M | $6.4M | $2.2M | $2.0M | $58K | 0.91% | 2.68% | 0.20% | 711 |
| Q2 2024 | $8.5M | $6.4M | $2.0M | $2.0M | $54K | 1.27% | 2.96% | 0.14% | 706 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.23% | 0.60% | 78th | |
Return on equity Annualized net income ÷ equity or net worth | 4.4% | 4.1% | 52th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.03% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $2.7M · securities $4.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.0% | 81.5% | 21th |
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% |
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