| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -6.4% | +1.3% | -7.7 pts |
| Share growth (YoY) | -6.9% | +0.7% | -7.6 pts |
| Loan growth (YoY) | +12.2% | -2.4% | +14.5 pts |
| ROA | 1.36% | 0.60% | +0.8 pts |
| ROE | 13.7% | 4.1% | +9.6 pts |
ROA ranks in the 81st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $17.3M | $15.4M | $13.3M | $1.7M | $59K | 1.36% | 4.72% | 0.72% | 1,568 |
| Q4 2025 | $17.6M | $14.7M | $13.0M | $1.6M | $131K | 0.74% | 4.47% | 0.54% | 1,728 |
| Q3 2025 | $17.6M | $15.9M | $12.6M | $1.7M | $158K | 1.19% | 4.32% | 0.34% | 1,722 |
| Q2 2025 | $18.3M | $16.5M | $12.3M | $1.6M | $113K | 1.23% | 3.84% | 0.55% | 1,713 |
| Q1 2025 | $18.5M | $16.5M | $11.8M | $1.7M | $178K | 3.85% | 3.70% | 0.42% | 1,696 |
| Q4 2024 | $18.3M | $16.7M | $11.6M | $1.5M | $37K | 0.20% | 3.83% | 0.16% | 1,677 |
| Q3 2024 | $16.1M | $14.7M | $11.5M | $1.4M | $-44K | -0.36% | 4.21% | 1.02% | 1,650 |
| Q2 2024 | $17.2M | $15.6M | $11.7M | $1.4M | $-60K | -0.69% | 3.89% | 1.01% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.36% | 0.60% | 81th | |
Return on equity Annualized net income ÷ equity or net worth | 13.7% | 4.1% | 95th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.72% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,732 |
Loan mix (Q1 2026): real estate $1.4M · commercial $0 · consumer $9.8M · securities $2.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.8% | 81.5% | 43th |
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.