| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.8% | +1.3% | -5.1 pts |
| Share growth (YoY) | -4.9% | +0.7% | -5.5 pts |
| Loan growth (YoY) | -4.3% | -2.4% | -1.9 pts |
| ROA | 0.53% | 0.60% | -0.1 pts |
| ROE | 4.0% | 4.1% | -0.1 pts |
ROA ranks in the 46th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $39.3M | $34.0M | $20.0M | $5.2M | $52K | 0.53% | 2.67% | 0.88% | 1,452 |
| Q4 2025 | $38.9M | $33.6M | $20.5M | $5.2M | $224K | 0.58% | 2.83% | 0.86% | 1,459 |
| Q3 2025 | $40.5M | $35.3M | $20.6M | $5.2M | $203K | 0.67% | 2.71% | 1.47% | 1,464 |
| Q2 2025 | $40.7M | $35.5M | $20.9M | $5.1M | $137K | 0.67% | 2.70% | 1.45% | 1,470 |
| Q1 2025 | $40.8M | $35.7M | $20.8M | $5.0M | $65K | 0.64% | 2.66% | 0.84% | 1,473 |
| Q4 2024 | $40.5M | $35.4M | $21.4M | $5.0M | $259K | 0.64% | 2.72% | 0.87% | 1,470 |
| Q3 2024 | $40.5M | $35.6M | $21.1M | $4.9M | $225K | 0.74% | 2.71% | 0.83% | 1,471 |
| Q2 2024 | $40.3M | $35.3M | $21.4M | $4.9M | $156K | 0.77% | 2.74% | 0.82% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.53% | 0.60% | 46th | |
Return on equity Annualized net income ÷ equity or net worth | 4.0% | 4.1% | 49th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.67% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,466 |
Loan mix (Q1 2026): real estate $16.1M · commercial $0 · consumer $3.9M · securities $15.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.3% | 81.5% | 44th |
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.