| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.0% | +1.3% | -1.3 pts |
| Share growth (YoY) | -1.1% | +0.7% | -1.7 pts |
| Loan growth (YoY) | -6.3% | -2.4% | -3.9 pts |
| ROA | 0.75% | 0.60% | +0.1 pts |
| ROE | 5.8% | 4.1% | +1.7 pts |
ROA ranks in the 58th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $58.9M | $50.9M | $38.5M | $7.7M | $111K | 0.75% | 4.31% | 0.26% | 5,053 |
| Q4 2025 | $58.0M | $50.0M | $38.5M | $7.5M | $596K | 1.03% | 4.65% | 0.41% | 5,016 |
| Q3 2025 | $57.4M | $49.7M | $39.3M | $7.5M | $498K | 1.16% | 4.71% | 0.75% | 5,029 |
| Q2 2025 | $58.0M | $50.7M | $40.3M | $7.3M | $253K | 0.87% | 4.61% | 0.99% | 5,066 |
| Q1 2025 | $58.9M | $51.4M | $41.1M | $7.2M | $184K | 1.25% | 4.47% | 0.72% | 5,131 |
| Q4 2024 | $57.8M | $50.7M | $41.8M | $7.0M | $694K | 1.20% | 4.46% | 0.67% | 5,271 |
| Q3 2024 | $58.8M | $51.8M | $42.1M | $6.9M | $520K | 1.18% | 4.36% | 0.54% | 5,336 |
| Q2 2024 | $58.8M | $51.8M | $42.2M | $6.7M | $374K | 1.27% | 4.33% | 0.86% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.75% | 0.60% | 58th | |
Return on equity Annualized net income ÷ equity or net worth | 5.8% | 4.1% | 62th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.31% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 5,396 |
Loan mix (Q1 2026): real estate $16.0M · commercial $0 · consumer $22.2M · securities $9.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.3% | 81.5% | 40th |
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.