| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.1% | +1.3% | -1.4 pts |
| Share growth (YoY) | -0.7% | +0.7% | -1.3 pts |
| Loan growth (YoY) | +6.7% | -2.4% | +9.1 pts |
| ROA | 0.24% | 0.60% | -0.4 pts |
| ROE | 3.0% | 4.1% | -1.1 pts |
ROA ranks in the 32nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $68.7M | $62.6M | $53.9M | $5.4M | $40K | 0.24% | 4.21% | 0.23% | 6,065 |
| Q4 2025 | $68.8M | $62.7M | $53.2M | $5.3M | $173K | 0.25% | 4.14% | 0.45% | 6,035 |
| Q3 2025 | $69.1M | $62.8M | $55.5M | $5.4M | $104K | 0.20% | 4.06% | 0.42% | 6,078 |
| Q2 2025 | $69.7M | $63.6M | $51.9M | $5.4M | $59K | 0.17% | 3.94% | 0.35% | 5,992 |
| Q1 2025 | $68.8M | $63.0M | $50.5M | $5.3M | $40K | 0.23% | 3.95% | 0.12% | 5,929 |
| Q4 2024 | $67.1M | $61.0M | $51.0M | $5.3M | $22K | 0.03% | 3.55% | 0.29% | 5,885 |
| Q3 2024 | $65.7M | $59.9M | $52.4M | $5.5M | $39K | 0.08% | 3.57% | 0.26% | 5,894 |
| Q2 2024 | $66.2M | $59.4M | $52.1M | $5.5M | $53K | 0.16% | 3.45% | 0.21% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.24% | 0.60% | 32th | |
Return on equity Annualized net income ÷ equity or net worth | 3.0% | 4.1% | 42th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.21% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 5,849 |
Loan mix (Q1 2026): real estate $14.1M · commercial $874K · consumer $36.9M · securities $8.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 94.3% | 81.5% | 77th |
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.