| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.0% | +1.3% | -3.3 pts |
| Share growth (YoY) | -3.8% | +0.7% | -4.5 pts |
| Loan growth (YoY) | -6.3% | -2.4% | -3.9 pts |
| ROA | 1.05% | 0.60% | +0.4 pts |
| ROE | 6.3% | 4.1% | +2.2 pts |
ROA ranks in the 71st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $82.6M | $68.3M | $61.0M | $13.6M | $216K | 1.05% | 3.69% | 0.30% | 6,868 |
| Q4 2025 | $82.5M | $68.6M | $61.0M | $13.4M | $810K | 0.98% | 3.82% | 0.63% | 6,980 |
| Q3 2025 | $83.5M | $69.5M | $61.3M | $13.3M | $695K | 1.11% | 3.76% | 0.63% | 7,454 |
| Q2 2025 | $83.2M | $69.7M | $61.2M | $12.9M | $297K | 0.72% | 3.78% | 0.91% | 7,489 |
| Q1 2025 | $84.3M | $71.0M | $65.2M | $12.7M | $80K | 0.38% | 3.75% | 0.59% | 7,590 |
| Q4 2024 | $83.5M | $70.3M | $67.2M | $12.6M | $185K | 0.22% | 3.84% | 1.75% | 7,639 |
| Q3 2024 | $86.8M | $73.5M | $68.1M | $12.5M | $50K | 0.08% | 3.67% | 2.50% | 7,687 |
| Q2 2024 | $87.7M | $74.6M | $68.3M | $12.5M | $-27K | -0.06% | 3.60% | 1.90% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.05% | 0.60% | 71th | |
Return on equity Annualized net income ÷ equity or net worth | 6.3% | 4.1% | 66th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.69% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 7,730 |
Loan mix (Q1 2026): real estate $46.9M · commercial $0 · consumer $13.8M · securities $9.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.5% | 81.5% | 47th |
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.