| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.7% | +1.3% | -3.0 pts |
| Share growth (YoY) | -4.4% | +0.7% | -5.1 pts |
| Loan growth (YoY) | -13.9% | -2.4% | -11.5 pts |
| ROA | 1.11% | 0.60% | +0.5 pts |
| ROE | 9.2% | 4.1% | +5.1 pts |
ROA ranks in the 73rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $29.4M | $25.5M | $14.1M | $3.5M | $82K | 1.11% | 4.39% | 0.04% | 2,034 |
| Q4 2025 | $28.8M | $25.3M | $14.9M | $3.4M | $420K | 1.46% | 4.66% | 0.20% | 2,046 |
| Q3 2025 | $29.2M | $25.8M | $16.0M | $3.3M | $310K | 1.41% | 4.57% | 0.17% | 2,072 |
| Q2 2025 | $29.3M | $25.9M | $16.8M | $3.2M | $192K | 1.31% | 4.49% | 0.28% | 2,085 |
| Q1 2025 | $29.9M | $26.7M | $16.4M | $3.1M | $67K | 0.90% | 4.31% | 0.28% | 2,084 |
| Q4 2024 | $29.3M | $25.9M | $16.7M | $3.0M | $321K | 1.10% | 4.15% | 0.16% | 2,088 |
| Q3 2024 | $30.2M | $27.3M | $16.8M | $2.9M | $180K | 0.80% | 3.93% | 0.22% | 2,128 |
| Q2 2024 | $30.4M | $27.6M | $17.2M | $2.8M | $90K | 0.59% | 3.72% | 0.01% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.11% | 0.60% | 73th | |
Return on equity Annualized net income ÷ equity or net worth | 9.2% | 4.1% | 81th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.39% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,156 |
Loan mix (Q1 2026): real estate $6.5M · commercial $0 · consumer $7.2M · securities $11.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.6% | 81.5% | 34th |
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.