| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.5% | +1.3% | +2.2 pts |
| Share growth (YoY) | +2.9% | +0.7% | +2.3 pts |
| Loan growth (YoY) | -29.2% | -2.4% | -26.9 pts |
| ROA | 0.70% | 0.60% | +0.1 pts |
| ROE | 6.1% | 4.1% | +2.0 pts |
ROA ranks in the 55th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $47.5M | $42.0M | $7.8M | $5.5M | $83K | 0.70% | 2.76% | 0.26% | 3,076 |
| Q4 2025 | $46.7M | $41.3M | $8.6M | $5.4M | $339K | 0.72% | 2.59% | 1.19% | 3,120 |
| Q3 2025 | $46.1M | $40.8M | $9.2M | $5.2M | $190K | 0.55% | 2.51% | 0.44% | 3,153 |
| Q2 2025 | $45.5M | $40.4M | $10.0M | $5.1M | $69K | 0.30% | 2.43% | 0.33% | 3,208 |
| Q1 2025 | $45.9M | $40.8M | $11.0M | $5.1M | $22K | 0.19% | 2.29% | 0.41% | 3,257 |
| Q4 2024 | $43.8M | $38.7M | $12.1M | $5.0M | $446K | 1.02% | 1.48% | 0.55% | 3,329 |
| Q3 2024 | $43.6M | $38.6M | $13.0M | $5.0M | $412K | 1.26% | 1.24% | 0.18% | 3,383 |
| Q2 2024 | $44.0M | $39.0M | $14.0M | $5.0M | $350K | 1.59% | 0.68% | 0.25% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.70% | 0.60% | 55th | |
Return on equity Annualized net income ÷ equity or net worth | 6.1% | 4.1% | 64th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.76% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,424 |
Loan mix (Q1 2026): real estate $2.1M · commercial $0 · consumer $4.9M · securities $33.0M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.0% | 81.5% | 33th |
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.