| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.6% | +1.3% | -0.7 pts |
| Share growth (YoY) | +0.3% | +0.7% | -0.4 pts |
| Loan growth (YoY) | -12.5% | -2.4% | -10.1 pts |
| ROA | 0.26% | 0.60% | -0.3 pts |
| ROE | 2.1% | 4.1% | -2.0 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 | $38.8M | $33.8M | $1.9M | $4.7M | $25K | 0.26% | 0.85% | 0.60% | 1,574 |
| Q4 2025 | $38.2M | $33.2M | $2.1M | $4.7M | $76K | 0.20% | 0.75% | 0.63% | 1,586 |
| Q3 2025 | $38.3M | $33.3M | $2.1M | $4.7M | $54K | 0.19% | 0.74% | 0.69% | 1,599 |
| Q2 2025 | $38.3M | $33.3M | $2.1M | $4.7M | $47K | 0.25% | 0.81% | 0.74% | 1,617 |
| Q1 2025 | $38.6M | $33.7M | $2.2M | $4.7M | $22K | 0.22% | 0.84% | 1.05% | 1,631 |
| Q4 2024 | $38.6M | $33.7M | $2.4M | $4.6M | $104K | 0.27% | 0.83% | 1.05% | 1,655 |
| Q3 2024 | $38.4M | $33.5M | $2.4M | $4.6M | $81K | 0.28% | 0.84% | 1.04% | 1,661 |
| Q2 2024 | $38.7M | $33.9M | $2.4M | $4.6M | $59K | 0.31% | 0.83% | 1.12% |
| 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 | 2.1% | 4.1% | 35th | |
Net interest margin Interest income − interest expense, ÷ assets | 0.85% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 1,669 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $1.9M · securities $34.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.2% | 81.5% | 26th |
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.