| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.6% | +1.3% | +0.3 pts |
| Share growth (YoY) | +1.3% | +0.7% | +0.7 pts |
| Loan growth (YoY) | -6.9% | -2.4% | -4.5 pts |
| ROA | 0.43% | 0.60% | -0.2 pts |
| ROE | 4.0% | 4.1% | -0.1 pts |
ROA ranks in the 41st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $45.6M | $41.3M | $25.4M | $4.9M | $49K | 0.43% | 3.89% | 0.10% | 3,258 |
| Q4 2025 | $44.7M | $40.0M | $26.0M | $4.9M | $226K | 0.50% | 3.88% | 0.79% | 3,273 |
| Q3 2025 | $44.5M | $40.2M | $26.5M | $4.8M | $162K | 0.48% | 3.84% | 0.24% | 3,291 |
| Q2 2025 | $45.7M | $41.4M | $27.0M | $4.7M | $71K | 0.31% | 3.64% | 0.22% | 3,315 |
| Q1 2025 | $44.9M | $40.8M | $27.3M | $4.7M | $25K | 0.22% | 3.61% | 0.17% | 3,347 |
| Q4 2024 | $44.0M | $39.5M | $27.8M | $4.7M | $198K | 0.45% | 3.47% | 0.21% | 3,361 |
| Q3 2024 | $44.6M | $40.4M | $28.1M | $4.6M | $154K | 0.46% | 3.35% | 0.10% | 3,396 |
| Q2 2024 | $45.1M | $41.0M | $27.7M | $4.6M | $97K | 0.43% | 3.21% | 0.22% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.43% | 0.60% | 41th | |
Return on equity Annualized net income ÷ equity or net worth | 4.0% | 4.1% | 49th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.89% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,425 |
Loan mix (Q1 2026): real estate $11.6M · commercial $0 · consumer $12.6M · securities $14.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 87.9% | 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.