| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.1% | +1.3% | -1.4 pts |
| Share growth (YoY) | -1.2% | +0.7% | -1.9 pts |
| Loan growth (YoY) | -3.9% | -2.4% | -1.6 pts |
| ROA | 0.51% | 0.60% | -0.1 pts |
| ROE | 4.4% | 4.1% | +0.3 pts |
ROA ranks in the 45th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $24.0M | $21.2M | $14.3M | $2.8M | $30K | 0.51% | 4.07% | 0.69% | 2,390 |
| Q4 2025 | $24.8M | $22.0M | $14.6M | $2.7M | $266K | 1.07% | 4.02% | 0.79% | 2,379 |
| Q3 2025 | $24.2M | $21.4M | $14.7M | $2.7M | $219K | 1.21% | 4.10% | 0.22% | 2,400 |
| Q2 2025 | $24.5M | $21.8M | $14.9M | $2.6M | $171K | 1.39% | 4.32% | 0.12% | 2,422 |
| Q1 2025 | $24.1M | $21.4M | $14.9M | $2.5M | $60K | 1.00% | 4.01% | 0.79% | 2,431 |
| Q4 2024 | $22.9M | $20.4M | $15.2M | $2.5M | $245K | 1.07% | 4.25% | 0.91% | 2,433 |
| Q3 2024 | $22.5M | $20.0M | $15.1M | $2.4M | $183K | 1.08% | 4.33% | 0.15% | 2,473 |
| Q2 2024 | $23.0M | $20.6M | $15.1M | $2.3M | $101K | 0.88% | 4.22% | 0.74% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.51% | 0.60% | 45th | |
Return on equity Annualized net income ÷ equity or net worth | 4.4% | 4.1% | 52th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.07% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,486 |
Loan mix (Q1 2026): real estate $2.7M · commercial $0 · consumer $11.5M · securities $7.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 87.7% | 81.5% | 65th |
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.