| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.1% | +1.3% | +1.8 pts |
| Share growth (YoY) | +2.6% | +0.7% | +1.9 pts |
| Loan growth (YoY) | -12.2% | -2.4% | -9.9 pts |
| ROA | 0.64% | 0.60% | +0.0 pts |
| ROE | 4.0% | 4.1% | -0.1 pts |
ROA ranks in the 52nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $14.8M | $12.4M | $3.6M | $2.4M | $24K | 0.64% | 3.12% | 0.09% | 1,944 |
| Q4 2025 | $14.3M | $12.0M | $3.7M | $2.3M | $163K | 1.14% | 3.50% | 1.02% | 1,959 |
| Q3 2025 | $14.3M | $12.0M | $3.8M | $2.3M | $137K | 1.28% | 3.55% | 0.93% | 1,980 |
| Q2 2025 | $14.5M | $12.2M | $3.9M | $2.3M | $86K | 1.19% | 3.41% | 0.33% | 1,990 |
| Q1 2025 | $14.3M | $12.1M | $4.1M | $2.2M | $41K | 1.14% | 3.78% | 0.21% | 2,002 |
| Q4 2024 | $14.2M | $12.0M | $4.2M | $2.2M | $190K | 1.34% | 3.75% | 0.37% | 2,008 |
| Q3 2024 | $14.5M | $12.4M | $4.0M | $2.1M | $130K | 1.19% | 3.59% | 0.24% | 2,006 |
| Q2 2024 | $15.2M | $13.1M | $4.0M | $2.1M | $72K | 0.95% | 3.29% | 0.21% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.64% | 0.60% | 52th | |
Return on equity Annualized net income ÷ equity or net worth | 4.0% | 4.1% | 49th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.12% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,007 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $3.3M · securities $7.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.8% | 81.5% | 48th |
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.