| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -12.4% | +1.3% | -13.7 pts |
| Share growth (YoY) | -16.5% | +0.7% | -17.2 pts |
| Loan growth (YoY) | -17.4% | -2.4% | -15.0 pts |
| ROA | 0.84% | 0.60% | +0.2 pts |
| ROE | 3.5% | 4.1% | -0.6 pts |
ROA ranks in the 62nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $64.4M | $48.3M | $20.7M | $15.6M | $135K | 0.84% | 2.87% | 1.53% | 4,274 |
| Q4 2025 | $69.7M | $53.0M | $22.5M | $15.4M | $427K | 0.61% | 2.63% | 1.38% | 4,309 |
| Q3 2025 | $71.8M | $55.9M | $23.6M | $15.4M | $406K | 0.75% | 2.50% | 0.57% | 4,261 |
| Q2 2025 | $72.9M | $57.0M | $24.5M | $15.2M | $232K | 0.64% | 2.34% | 0.96% | 4,239 |
| Q1 2025 | $73.5M | $57.9M | $25.1M | $15.1M | $133K | 0.72% | 2.26% | 0.56% | 4,266 |
| Q4 2024 | $73.6M | $58.0M | $26.2M | $15.0M | $21K | 0.03% | 1.93% | 0.95% | 4,286 |
| Q3 2024 | $73.7M | $58.1M | $26.7M | $14.9M | $-91K | -0.16% | 1.86% | 0.38% | 4,286 |
| Q2 2024 | $73.4M | $57.8M | $25.6M | $14.9M | $-85K | -0.23% | 1.80% | 0.48% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.84% | 0.60% | 62th | |
Return on equity Annualized net income ÷ equity or net worth | 3.5% | 4.1% | 46th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.87% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 4,233 |
Loan mix (Q1 2026): real estate $1.1M · commercial $0 · consumer $18.1M · securities $40.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.8% | 81.5% | 22th |
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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