| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.1% | +1.3% | -3.4 pts |
| Share growth (YoY) | -4.5% | +0.7% | -5.2 pts |
| Loan growth (YoY) | -10.1% | -2.4% | -7.8 pts |
| ROA | 1.03% | 0.60% | +0.4 pts |
| ROE | 4.1% | 4.1% | +0.0 pts |
ROA ranks in the 70th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $13.6M | $10.2M | $6.2M | $3.4M | $35K | 1.03% | 4.38% | 0.00% | 1,433 |
| Q4 2025 | $13.3M | $9.9M | $6.6M | $3.4M | $263K | 1.97% | 4.96% | 0.00% | 1,437 |
| Q3 2025 | $13.5M | $10.1M | $6.6M | $3.3M | $202K | 1.99% | 4.81% | 0.00% | 1,445 |
| Q2 2025 | $13.8M | $10.5M | $6.8M | $3.3M | $148K | 2.13% | 4.68% | 0.00% | 1,452 |
| Q1 2025 | $13.9M | $10.7M | $6.9M | $3.2M | $70K | 2.02% | 4.66% | 0.00% | 1,464 |
| Q4 2024 | $13.9M | $10.7M | $7.2M | $3.1M | $311K | 2.24% | 4.72% | 0.00% | 1,478 |
| Q3 2024 | $14.4M | $11.3M | $7.4M | $3.0M | $205K | 1.90% | 4.50% | 0.00% | 1,493 |
| Q2 2024 | $14.5M | $11.4M | $7.5M | $3.0M | $127K | 1.76% | 4.35% | 0.00% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.03% | 0.60% | 70th | |
Return on equity Annualized net income ÷ equity or net worth | 4.1% | 4.1% | 50th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.38% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,512 |
Loan mix (Q1 2026): real estate $2.2M · commercial $0 · consumer $3.8M · securities $5.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.0% | 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.