| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.1% | +1.3% | -0.2 pts |
| Share growth (YoY) | +0.7% | +0.7% | +0.1 pts |
| Loan growth (YoY) | -30.5% | -2.4% | -28.2 pts |
| ROA | 0.40% | 0.60% | -0.2 pts |
| ROE | 4.1% | 4.1% | +0.0 pts |
ROA ranks in the 39th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $16.8M | $15.1M | $2.4M | $1.6M | $17K | 0.40% | 3.42% | 0.49% | 2,001 |
| Q4 2025 | $17.0M | $15.3M | $2.8M | $1.6M | $110K | 0.65% | 3.42% | 0.47% | 1,997 |
| Q3 2025 | $16.3M | $14.7M | $3.1M | $1.6M | $87K | 0.71% | 3.36% | 0.38% | 2,005 |
| Q2 2025 | $16.4M | $14.7M | $3.3M | $1.6M | $67K | 0.81% | 3.33% | 0.08% | 2,062 |
| Q1 2025 | $16.6M | $15.0M | $3.5M | $1.5M | $26K | 0.61% | 3.16% | 0.18% | 2,054 |
| Q4 2024 | $16.3M | $14.7M | $3.8M | $1.5M | $92K | 0.56% | 3.35% | 0.15% | 2,066 |
| Q3 2024 | $16.0M | $14.0M | $4.1M | $1.5M | $85K | 0.70% | 3.36% | 0.19% | 2,127 |
| Q2 2024 | $16.0M | $14.4M | $4.1M | $1.5M | $64K | 0.80% | 3.32% | 0.46% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.40% | 0.60% | 39th | |
Return on equity Annualized net income ÷ equity or net worth | 4.1% | 4.1% | 50th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.42% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,147 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $2.2M · securities $10.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 90.2% | 81.5% | 69th |
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.