| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.3% | +1.3% | -3.6 pts |
| Share growth (YoY) | -3.0% | +0.7% | -3.6 pts |
| Loan growth (YoY) | -2.0% | -2.4% | +0.4 pts |
| ROA | 0.45% | 0.60% | -0.2 pts |
| ROE | 3.6% | 4.1% | -0.5 pts |
ROA ranks in the 42nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $79.9M | $69.0M | $28.9M | $10.0M | $89K | 0.45% | 3.18% | 0.19% | 4,112 |
| Q4 2025 | $79.1M | $68.2M | $29.8M | $9.9M | $255K | 0.32% | 3.20% | 0.43% | 4,160 |
| Q3 2025 | $78.9M | $67.9M | $28.9M | $9.8M | $187K | 0.32% | 3.20% | 0.20% | 4,202 |
| Q2 2025 | $80.1M | $69.2M | $30.0M | $9.8M | $145K | 0.36% | 3.09% | 0.10% | 4,243 |
| Q1 2025 | $81.8M | $71.2M | $29.5M | $9.7M | $61K | 0.30% | 2.99% | 0.12% | 4,315 |
| Q4 2024 | $79.4M | $68.9M | $29.9M | $9.6M | $408K | 0.51% | 3.05% | 0.20% | 4,318 |
| Q3 2024 | $79.4M | $69.1M | $29.8M | $9.6M | $364K | 0.61% | 3.04% | 0.46% | 4,324 |
| Q2 2024 | $78.3M | $67.7M | $29.5M | $9.4M | $152K | 0.39% | 3.00% | 0.71% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.45% | 0.60% | 42th | |
Return on equity Annualized net income ÷ equity or net worth | 3.6% | 4.1% | 46th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.18% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 4,325 |
Loan mix (Q1 2026): real estate $11.5M · commercial $0 · consumer $14.5M · securities $34.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 84.7% | 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% |
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