| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.2% | +1.3% | +1.9 pts |
| Share growth (YoY) | +3.5% | +0.7% | +2.9 pts |
| Loan growth (YoY) | +5.8% | -2.4% | +8.1 pts |
| ROA | 0.06% | 0.60% | -0.5 pts |
| ROE | 0.3% | 4.1% | -3.9 pts |
ROA ranks in the 24th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $54.2M | $40.1M | $23.5M | $14.0M | $9K | 0.06% | 2.20% | 1.34% | 1,988 |
| Q4 2025 | $52.7M | $38.7M | $23.4M | $14.0M | $346K | 0.66% | 2.22% | 0.10% | 2,041 |
| Q3 2025 | $52.8M | $38.8M | $24.2M | $13.9M | $234K | 0.59% | 2.12% | 1.16% | 2,048 |
| Q2 2025 | $52.8M | $38.8M | $22.9M | $13.8M | $157K | 0.59% | 2.13% | 0.25% | 2,026 |
| Q1 2025 | $52.5M | $38.7M | $22.3M | $13.8M | $92K | 0.70% | 1.91% | 0.07% | 2,027 |
| Q4 2024 | $51.0M | $37.3M | $22.5M | $13.7M | $5K | 0.01% | 1.55% | 0.22% | 2,041 |
| Q3 2024 | $50.9M | $37.1M | $21.8M | $13.7M | $52K | 0.14% | 1.49% | 0.00% | 2,044 |
| Q2 2024 | $51.4M | $37.7M | $20.8M | $13.6M | $-27K | -0.11% | 1.39% | 0.02% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.06% | 0.60% | 24th | |
Return on equity Annualized net income ÷ equity or net worth | 0.3% | 4.1% | 23th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.20% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,026 |
Loan mix (Q1 2026): real estate $13.9M · commercial $0 · consumer $8.6M · securities $23.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 90.4% | 81.5% | 70th |
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.