| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.9% | +1.3% | +0.6 pts |
| Share growth (YoY) | +2.1% | +0.7% | +1.5 pts |
| Loan growth (YoY) | -11.5% | -2.4% | -9.1 pts |
| ROA | 0.69% | 0.60% | +0.1 pts |
| ROE | 6.0% | 4.1% | +1.9 pts |
ROA ranks in the 54th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $28.3M | $23.8M | $9.7M | $3.3M | $49K | 0.69% | 3.12% | 2.81% | 1,969 |
| Q4 2025 | $28.0M | $23.4M | $10.8M | $3.2M | $77K | 0.27% | 3.08% | 2.69% | 2,019 |
| Q3 2025 | $28.2M | $23.6M | $10.6M | $3.2M | $78K | 0.37% | 3.00% | 2.88% | 2,027 |
| Q2 2025 | $28.8M | $24.1M | $10.6M | $3.2M | $3K | 0.02% | 2.84% | 2.29% | 2,049 |
| Q1 2025 | $27.8M | $23.3M | $10.9M | $3.2M | $20K | 0.29% | 2.90% | 1.68% | 2,084 |
| Q4 2024 | $28.9M | $24.4M | $11.4M | $3.1M | $79K | 0.27% | 2.74% | 2.41% | 2,102 |
| Q3 2024 | $29.0M | $24.5M | $11.7M | $3.2M | $81K | 0.37% | 2.75% | 2.23% | 2,126 |
| Q2 2024 | $29.3M | $24.9M | $11.6M | $3.1M | $32K | 0.22% | 2.66% | 2.33% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.69% | 0.60% | 54th | |
Return on equity Annualized net income ÷ equity or net worth | 6.0% | 4.1% | 64th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.12% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,130 |
Loan mix (Q1 2026): real estate $2.7M · commercial $0 · consumer $6.3M · securities $13.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 81.2% | 81.5% | 49th |
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.