| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.2% | +1.3% | +1.9 pts |
| Share growth (YoY) | +2.9% | +0.7% | +2.2 pts |
| Loan growth (YoY) | -6.4% | -2.4% | -4.1 pts |
| ROA | 0.49% | 0.60% | -0.1 pts |
| ROE | 6.1% | 4.1% | +2.0 pts |
ROA ranks in the 44th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $23.1M | $21.3M | $7.6M | $1.9M | $28K | 0.49% | 2.62% | 1.15% | 1,134 |
| Q4 2025 | $22.6M | $20.8M | $7.9M | $1.8M | $111K | 0.49% | 2.53% | 1.05% | 1,135 |
| Q3 2025 | $22.9M | $21.0M | $8.1M | $1.8M | $91K | 0.53% | 2.50% | 1.40% | 1,139 |
| Q2 2025 | $22.6M | $20.8M | $7.9M | $1.8M | $37K | 0.33% | 2.47% | 1.29% | 1,136 |
| Q1 2025 | $22.4M | $20.7M | $8.1M | $1.7M | $15K | 0.26% | 2.27% | 1.85% | 1,154 |
| Q4 2024 | $21.4M | $19.7M | $8.0M | $1.7M | $99K | 0.46% | 2.50% | 2.28% | 1,154 |
| Q3 2024 | $21.3M | $19.6M | $8.3M | $1.7M | $73K | 0.46% | 2.45% | 2.13% | 1,167 |
| Q2 2024 | $21.5M | $19.8M | $8.2M | $1.7M | $51K | 0.48% | 2.44% | 1.65% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.49% | 0.60% | 44th | |
Return on equity Annualized net income ÷ equity or net worth | 6.1% | 4.1% | 64th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.62% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,169 |
Loan mix (Q1 2026): real estate $3.9M · commercial $0 · consumer $3.3M · securities $13.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 81.8% | 81.5% | 50th |
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.