| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.2% | +1.3% | -1.1 pts |
| Share growth (YoY) | -1.3% | +0.7% | -2.0 pts |
| Loan growth (YoY) | -1.2% | -2.4% | +1.2 pts |
| ROA | 0.47% | 0.60% | -0.1 pts |
| ROE | 2.9% | 4.1% | -1.2 pts |
ROA ranks in the 43rd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $38.1M | $31.3M | $21.2M | $6.1M | $45K | 0.47% | 3.92% | 0.61% | 4,663 |
| Q4 2025 | $37.6M | $31.0M | $21.2M | $6.0M | $256K | 0.68% | 4.03% | 0.69% | 4,617 |
| Q3 2025 | $37.2M | $30.8M | $21.2M | $6.0M | $222K | 0.80% | 4.06% | 0.65% | 4,893 |
| Q2 2025 | $38.1M | $31.9M | $21.3M | $6.0M | $179K | 0.94% | 3.89% | 1.02% | 4,888 |
| Q1 2025 | $38.1M | $31.8M | $21.4M | $5.9M | $98K | 1.03% | 3.87% | 0.79% | 4,868 |
| Q4 2024 | $36.9M | $30.9M | $20.8M | $5.8M | $342K | 0.92% | 3.80% | 1.43% | 4,851 |
| Q3 2024 | $36.4M | $30.4M | $20.4M | $5.7M | $249K | 0.91% | 3.84% | 1.10% | 4,907 |
| Q2 2024 | $37.0M | $30.9M | $20.9M | $5.6M | $172K | 0.93% | 3.73% | 0.72% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.47% | 0.60% | 43th | |
Return on equity Annualized net income ÷ equity or net worth | 2.9% | 4.1% | 42th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.92% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 4,984 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $19.7M · securities $6.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 85.1% | 81.5% | 58th |
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.