| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -7.0% | +1.3% | -8.3 pts |
| Share growth (YoY) | -7.9% | +0.7% | -8.6 pts |
| Loan growth (YoY) | +1.6% | -2.4% | +3.9 pts |
| ROA | 0.41% | 0.60% | -0.2 pts |
| ROE | 3.0% | 4.1% | -1.1 pts |
ROA ranks in the 40th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $47.3M | $40.4M | $32.3M | $6.6M | $49K | 0.41% | 3.63% | 1.35% | 8,490 |
| Q4 2025 | $48.0M | $41.1M | $34.1M | $6.5M | $-47K | -0.10% | 3.39% | 1.03% | 8,691 |
| Q3 2025 | $48.1M | $41.3M | $32.0M | $6.5M | $-79K | -0.22% | 3.28% | 1.37% | 9,466 |
| Q2 2025 | $49.5M | $42.6M | $31.3M | $6.7M | $-19K | -0.08% | 3.15% | 1.59% | 9,787 |
| Q1 2025 | $50.8M | $43.9M | $31.8M | $6.8M | $12K | 0.09% | 2.98% | 1.78% | 9,923 |
| Q4 2024 | $51.2M | $44.2M | $33.8M | $6.7M | $377 | 0.00% | 2.98% | 1.65% | 10,002 |
| Q3 2024 | $51.0M | $43.8M | $36.2M | $6.8M | $12K | 0.03% | 2.91% | 2.58% | 10,083 |
| Q2 2024 | $53.4M | $46.1M | $37.2M | $6.9M | $2K | 0.01% | 2.68% | 2.56% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.41% | 0.60% | 40th | |
Return on equity Annualized net income ÷ equity or net worth | 3.0% | 4.1% | 42th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.63% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 10,179 |
Loan mix (Q1 2026): real estate $6.9M · commercial $3.1M · consumer $21.9M · securities $1.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 88.0% | 81.5% | 65th |
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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