| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.3% | +1.3% | +0.0 pts |
| Share growth (YoY) | +0.9% | +0.7% | +0.3 pts |
| Loan growth (YoY) | -13.2% | -2.4% | -10.8 pts |
| ROA | 0.42% | 0.60% | -0.2 pts |
| ROE | 4.4% | 4.1% | +0.3 pts |
ROA ranks in the 41st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $39.3M | $35.1M | $19.2M | $3.8M | $42K | 0.42% | 3.62% | 1.23% | 2,377 |
| Q4 2025 | $39.6M | $35.5M | $20.1M | $3.8M | $59K | 0.15% | 3.57% | 1.48% | 2,407 |
| Q3 2025 | $39.0M | $34.9M | $21.0M | $3.7M | $-9K | -0.03% | 3.59% | 1.83% | 2,441 |
| Q2 2025 | $37.8M | $33.8M | $21.4M | $3.7M | $25K | 0.13% | 3.57% | 2.22% | 2,549 |
| Q1 2025 | $38.8M | $34.8M | $22.1M | $3.7M | $5K | 0.05% | 3.40% | 1.99% | 2,588 |
| Q4 2024 | $36.9M | $32.7M | $22.7M | $3.7M | $55K | 0.15% | 3.64% | 2.04% | 2,676 |
| Q3 2024 | $38.1M | $33.9M | $23.0M | $3.8M | $166K | 0.58% | 3.56% | 0.98% | 2,804 |
| Q2 2024 | $39.6M | $35.7M | $24.0M | $3.8M | $123K | 0.62% | 3.35% | 0.81% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.42% | 0.60% | 41th | |
Return on equity Annualized net income ÷ equity or net worth | 4.4% | 4.1% | 52th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.62% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,825 |
Loan mix (Q1 2026): real estate $8.9M · commercial $217K · consumer $9.9M · securities $12.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 88.2% | 81.5% | 66th |
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.