| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.8% | +1.3% | -0.5 pts |
| Share growth (YoY) | -0.5% | +0.7% | -1.1 pts |
| Loan growth (YoY) | +1.1% | -2.4% | +3.4 pts |
| ROA | 0.50% | 0.60% | -0.1 pts |
| ROE | 3.2% | 4.1% | -0.9 pts |
ROA ranks in the 45th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $83.7M | $70.3M | $56.4M | $12.9M | $105K | 0.50% | 3.42% | 0.25% | 7,644 |
| Q4 2025 | $82.1M | $68.9M | $57.3M | $12.8M | $679K | 0.83% | 3.17% | 0.33% | 7,687 |
| Q3 2025 | $82.4M | $69.8M | $57.2M | $12.5M | $364K | 0.59% | 3.14% | 0.17% | 7,766 |
| Q2 2025 | $83.4M | $71.0M | $56.9M | $12.3M | $171K | 0.41% | 3.02% | 0.23% | 7,848 |
| Q1 2025 | $83.0M | $70.6M | $55.9M | $12.2M | $84K | 0.41% | 3.01% | 0.31% | 7,828 |
| Q4 2024 | $81.1M | $69.0M | $57.1M | $12.2M | $325K | 0.40% | 3.29% | 0.47% | 7,818 |
| Q3 2024 | $81.7M | $70.3M | $57.5M | $12.0M | $187K | 0.30% | 3.25% | 0.22% | 7,869 |
| Q2 2024 | $82.9M | $71.6M | $57.6M | $12.0M | $113K | 0.27% | 3.15% | 0.58% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.50% | 0.60% | 45th | |
Return on equity Annualized net income ÷ equity or net worth | 3.2% | 4.1% | 44th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.42% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 7,927 |
Loan mix (Q1 2026): real estate $18.8M · commercial $309K · consumer $36.8M · securities $11.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 84.7% | 81.5% | 57th |
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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