| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.3% | +1.3% | -4.5 pts |
| Share growth (YoY) | -5.1% | +0.7% | -5.8 pts |
| Loan growth (YoY) | +5.4% | -2.4% | +7.7 pts |
| ROA | 1.84% | 0.60% | +1.2 pts |
| ROE | 7.7% | 4.1% | +3.6 pts |
ROA ranks in the 91st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $10.4M | $7.9M | $3.1M | $2.5M | $48K | 1.84% | 5.64% | 0.05% | 1,292 |
| Q4 2025 | $10.3M | $7.9M | $3.3M | $2.5M | $241K | 2.33% | 5.10% | 0.03% | 1,323 |
| Q3 2025 | $10.7M | $8.3M | $3.2M | $2.4M | $196K | 2.44% | 5.18% | 0.02% | 1,320 |
| Q2 2025 | $10.7M | $8.2M | $3.1M | $2.3M | $-34K | -0.64% | 4.80% | 0.02% | 1,308 |
| Q1 2025 | $10.8M | $8.3M | $2.9M | $2.3M | $53K | 1.98% | 5.32% | 0.05% | 1,332 |
| Q4 2024 | $10.5M | $8.1M | $2.9M | $2.2M | $282K | 2.69% | 4.97% | 0.07% | 1,333 |
| Q3 2024 | $10.8M | $8.4M | $2.8M | $2.2M | $224K | 2.78% | 5.03% | 0.09% | 1,331 |
| Q2 2024 | $10.7M | $8.5M | $2.7M | $2.1M | $153K | 2.85% | 5.06% | 0.14% | 1,326 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.84% | 0.60% | 91th | |
Return on equity Annualized net income ÷ equity or net worth | 7.7% | 4.1% | 74th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.64% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Loan mix (Q1 2026): real estate $771K · commercial $0 · consumer $2.3M · securities $5.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 68.2% | 81.5% | 23th |
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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