| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.3% | +1.3% | +7.0 pts |
| Share growth (YoY) | +8.9% | +0.7% | +8.2 pts |
| Loan growth (YoY) | -6.3% | -2.4% | -3.9 pts |
| ROA | 0.36% | 0.60% | -0.2 pts |
| ROE | 2.8% | 4.1% | -1.3 pts |
ROA ranks in the 38th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $47.9M | $41.7M | $10.2M | $6.0M | $43K | 0.36% | 2.45% | 1.04% | 2,058 |
| Q4 2025 | $47.7M | $40.6M | $10.9M | $6.0M | $207K | 0.43% | 2.30% | 0.69% | 2,080 |
| Q3 2025 | $45.0M | $39.1M | $10.8M | $6.0M | $175K | 0.52% | 2.39% | 1.12% | 2,075 |
| Q2 2025 | $44.9M | $38.9M | $10.7M | $5.9M | $89K | 0.40% | 2.28% | 1.51% | 2,080 |
| Q1 2025 | $44.2M | $38.3M | $10.9M | $5.8M | $32K | 0.29% | 2.17% | 0.86% | 2,066 |
| Q4 2024 | $44.9M | $39.2M | $10.8M | $5.8M | $30K | 0.07% | 1.88% | 0.81% | 2,060 |
| Q3 2024 | $45.7M | $39.8M | $9.5M | $5.8M | $20K | 0.06% | 1.83% | 0.34% | 2,063 |
| Q2 2024 | $45.0M | $39.2M | $9.8M | $5.8M | $11K | 0.05% | 1.86% | 0.77% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.36% | 0.60% | 38th | |
Return on equity Annualized net income ÷ equity or net worth | 2.8% | 4.1% | 41th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.45% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,052 |
Loan mix (Q1 2026): real estate $4.1M · commercial $0 · consumer $5.8M · securities $33.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.2% | 81.5% | 28th |
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.