| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.6% | +1.3% | -0.7 pts |
| Share growth (YoY) | -0.4% | +0.7% | -1.1 pts |
| Loan growth (YoY) | +8.5% | -2.4% | +10.8 pts |
| ROA | 0.26% | 0.60% | -0.3 pts |
| ROE | 2.0% | 4.1% | -2.1 pts |
ROA ranks in the 33rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $39.6M | $35.1M | $29.7M | $5.2M | $25K | 0.26% | 4.07% | 0.11% | 3,786 |
| Q4 2025 | $39.3M | $34.8M | $29.2M | $5.1M | $434K | 1.10% | 4.62% | 0.22% | 3,784 |
| Q3 2025 | $37.2M | $32.8M | $28.6M | $5.1M | $366K | 1.31% | 5.00% | 0.21% | 3,792 |
| Q2 2025 | $38.0M | $33.6M | $27.6M | $5.0M | $256K | 1.35% | 4.93% | 0.19% | 3,826 |
| Q1 2025 | $39.4M | $35.2M | $27.4M | $4.9M | $126K | 1.28% | 4.72% | 0.00% | 3,823 |
| Q4 2024 | $38.0M | $33.9M | $28.4M | $4.8M | $456K | 1.20% | 4.73% | 0.02% | 3,836 |
| Q3 2024 | $37.5M | $33.5M | $29.2M | $4.7M | $352K | 1.25% | 4.75% | 0.01% | 3,870 |
| Q2 2024 | $38.5M | $34.6M | $29.7M | $4.5M | $179K | 0.93% | 4.49% | 0.02% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.26% | 0.60% | 33th | |
Return on equity Annualized net income ÷ equity or net worth | 2.0% | 4.1% | 34th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.07% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,937 |
Loan mix (Q1 2026): real estate $14.6M · commercial $0 · consumer $14.8M · securities $4.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 93.9% | 81.5% | 76th |
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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