| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.0% | +1.3% | +2.7 pts |
| Share growth (YoY) | +2.1% | +0.7% | +1.4 pts |
| Loan growth (YoY) | -2.4% | -2.4% | -0.1 pts |
| ROA | 0.20% | 0.60% | -0.4 pts |
| ROE | 2.2% | 4.1% | -1.9 pts |
ROA ranks in the 29th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $79.9M | $72.4M | $54.2M | $7.2M | $39K | 0.20% | 3.28% | 0.05% | 4,870 |
| Q4 2025 | $77.6M | $70.0M | $55.0M | $7.1M | $126K | 0.16% | 3.29% | 0.85% | 4,860 |
| Q3 2025 | $77.7M | $70.3M | $55.3M | $7.1M | $92K | 0.16% | 3.24% | 1.11% | 4,867 |
| Q2 2025 | $75.1M | $67.9M | $55.5M | $7.1M | $54K | 0.14% | 3.30% | 0.07% | 4,830 |
| Q1 2025 | $76.8M | $70.9M | $55.6M | $7.0M | $25K | 0.13% | 3.19% | 0.11% | 4,838 |
| Q4 2024 | $75.9M | $69.0M | $56.1M | $7.0M | $-50K | -0.07% | 2.84% | 0.13% | 4,812 |
| Q3 2024 | $76.4M | $69.4M | $56.4M | $6.9M | $-153K | -0.27% | 2.76% | 0.10% | 4,815 |
| Q2 2024 | $77.8M | $67.7M | $56.9M | $7.0M | $-98K | -0.25% | 2.62% | 0.11% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.20% | 0.60% | 29th | |
Return on equity Annualized net income ÷ equity or net worth | 2.2% | 4.1% | 36th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.28% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 4,708 |
Loan mix (Q1 2026): real estate $41.4M · commercial $0 · consumer $12.6M · securities $14.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 88.4% | 81.5% | 66th |
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.