| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.3% | +1.3% | -1.0 pts |
| Share growth (YoY) | -1.0% | +0.7% | -1.7 pts |
| Loan growth (YoY) | -9.1% | -2.4% | -6.8 pts |
| ROA | 0.95% | 0.60% | +0.3 pts |
| ROE | 4.1% | 4.1% | +0.0 pts |
ROA ranks in the 67th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $17.1M | $13.0M | $6.5M | $4.0M | $41K | 0.95% | 4.01% | 0.84% | 3,434 |
| Q4 2025 | $17.2M | $13.1M | $6.6M | $3.9M | $164K | 0.95% | 4.24% | 0.64% | 3,423 |
| Q3 2025 | $17.4M | $13.4M | $7.0M | $3.9M | $138K | 1.06% | 4.16% | 0.51% | 3,420 |
| Q2 2025 | $17.1M | $13.0M | $7.0M | $3.8M | $85K | 0.99% | 4.22% | 0.31% | 3,387 |
| Q1 2025 | $17.1M | $13.1M | $7.2M | $3.8M | $45K | 1.05% | 4.13% | 1.61% | 3,366 |
| Q4 2024 | $16.6M | $12.8M | $7.4M | $3.7M | $251K | 1.51% | 4.45% | 1.40% | 3,349 |
| Q3 2024 | $17.0M | $13.1M | $7.6M | $3.7M | $213K | 1.67% | 4.34% | 0.54% | 3,335 |
| Q2 2024 | $17.5M | $13.6M | $7.5M | $3.6M | $149K | 1.70% | 4.25% | 0.59% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.95% | 0.60% | 67th | |
Return on equity Annualized net income ÷ equity or net worth | 4.1% | 4.1% | 50th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.01% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,315 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $5.9M · securities $7.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.4% | 81.5% | 52th |
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.