| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.2% | +1.3% | -1.1 pts |
| Share growth (YoY) | +1.4% | +0.7% | +0.7 pts |
| Loan growth (YoY) | -8.2% | -2.4% | -5.9 pts |
| ROA | 0.80% | 0.60% | +0.2 pts |
| ROE | 2.9% | 4.1% | -1.2 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 | $11.3M | $7.4M | $5.7M | $3.1M | $23K | 0.80% | 3.54% | 3.71% | 1,714 |
| Q4 2025 | $10.6M | $6.6M | $5.6M | $3.0M | $116K | 1.10% | 4.01% | 4.48% | 1,697 |
| Q3 2025 | $11.0M | $6.9M | $6.1M | $3.0M | $113K | 1.37% | 3.85% | 3.47% | 1,710 |
| Q2 2025 | $10.5M | $6.4M | $5.9M | $3.0M | $65K | 1.25% | 3.88% | 2.58% | 1,643 |
| Q1 2025 | $11.3M | $7.3M | $6.2M | $2.9M | $20K | 0.73% | 3.85% | 1.82% | 1,650 |
| Q4 2024 | $10.7M | $6.7M | $6.2M | $2.9M | $78K | 0.73% | 3.37% | 3.02% | 1,670 |
| Q3 2024 | $9.5M | $5.6M | $6.3M | $2.9M | $70K | 0.98% | 3.94% | 2.12% | 1,711 |
| Q2 2024 | $10.8M | $6.9M | $6.1M | $2.9M | $57K | 1.05% | 3.36% | 1.56% | 1,717 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.80% | 0.60% | 60th | |
Return on equity Annualized net income ÷ equity or net worth | 2.9% | 4.1% | 42th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.54% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $0 · commercial $2.3M · consumer $3.1M · securities $1.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 81.0% | 81.5% | 49th |
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.