| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.1% | +1.3% | -1.4 pts |
| Share growth (YoY) | -2.3% | +0.7% | -3.0 pts |
| Loan growth (YoY) | -17.7% | -2.4% | -15.3 pts |
| ROA | 0.71% | 0.60% | +0.1 pts |
| ROE | 3.2% | 4.1% | -0.9 pts |
ROA ranks in the 56th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $81.1M | $63.1M | $33.8M | $17.9M | $144K | 0.71% | 3.33% | 1.35% | 4,936 |
| Q4 2025 | $81.2M | $63.7M | $34.8M | $17.8M | $625K | 0.77% | 3.70% | 1.93% | 4,881 |
| Q3 2025 | $79.3M | $62.3M | $36.6M | $17.7M | $436K | 0.73% | 3.82% | 1.06% | 4,917 |
| Q2 2025 | $79.5M | $62.6M | $38.8M | $17.5M | $258K | 0.65% | 3.71% | 1.13% | 4,858 |
| Q1 2025 | $81.2M | $64.6M | $41.1M | $17.4M | $121K | 0.60% | 3.58% | 1.04% | 4,983 |
| Q4 2024 | $80.3M | $64.0M | $44.0M | $17.3M | $553K | 0.69% | 3.85% | 0.65% | 4,985 |
| Q3 2024 | $80.3M | $64.2M | $45.9M | $17.2M | $336K | 0.56% | 3.86% | 0.44% | 4,984 |
| Q2 2024 | $81.3M | $65.7M | $48.0M | $17.0M | $144K | 0.35% | 3.82% | 0.33% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.71% | 0.60% | 56th | |
Return on equity Annualized net income ÷ equity or net worth | 3.2% | 4.1% | 44th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.33% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 4,973 |
Loan mix (Q1 2026): real estate $10.6M · commercial $0 · consumer $22.6M · securities $23.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 87.0% | 81.5% | 63th |
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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