| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.8% | +1.3% | +1.5 pts |
| Share growth (YoY) | +3.5% | +0.7% | +2.9 pts |
| Loan growth (YoY) | -3.7% | -2.4% | -1.3 pts |
| ROA | 0.19% | 0.60% | -0.4 pts |
| ROE | 1.0% | 4.1% | -3.1 pts |
ROA ranks in the 29th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $27.7M | $22.3M | $16.6M | $5.2M | $13K | 0.19% | 4.18% | 1.34% | 1,895 |
| Q4 2025 | $27.1M | $21.8M | $16.8M | $5.2M | $2K | 0.01% | 4.32% | 1.50% | 1,904 |
| Q3 2025 | $27.1M | $21.9M | $16.7M | $5.1M | $-55K | -0.27% | 4.25% | 1.58% | 1,916 |
| Q2 2025 | $27.1M | $21.8M | $16.7M | $5.1M | $-66K | -0.49% | 4.19% | 1.40% | 1,938 |
| Q1 2025 | $26.9M | $21.6M | $17.2M | $5.1M | $-35K | -0.51% | 4.22% | 1.84% | 1,995 |
| Q4 2024 | $26.5M | $21.3M | $18.3M | $5.2M | $18K | 0.07% | 4.35% | 2.40% | 2,009 |
| Q3 2024 | $26.4M | $21.0M | $19.0M | $5.3M | $106K | 0.54% | 4.39% | 1.39% | 2,017 |
| Q2 2024 | $26.5M | $20.9M | $19.3M | $5.3M | $65K | 0.49% | 4.20% | 0.94% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.19% | 0.60% | 29th | |
Return on equity Annualized net income ÷ equity or net worth | 1.0% | 4.1% | 28th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.18% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,026 |
Loan mix (Q1 2026): real estate $5.7M · commercial $0 · consumer $8.5M · securities $5.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 91.0% | 81.5% | 71th |
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% |
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