| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.7% | +1.3% | +3.4 pts |
| Share growth (YoY) | +4.4% | +0.7% | +3.8 pts |
| Loan growth (YoY) | -10.2% | -2.4% | -7.8 pts |
| ROA | 0.43% | 0.60% | -0.2 pts |
| ROE | 3.0% | 4.1% | -1.1 pts |
ROA ranks in the 41st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $51.4M | $43.8M | $21.7M | $7.5M | $55K | 0.43% | 3.19% | 0.55% | 3,043 |
| Q4 2025 | $50.9M | $43.4M | $23.0M | $7.4M | $423K | 0.83% | 3.33% | 2.09% | 3,051 |
| Q3 2025 | $49.8M | $42.3M | $23.1M | $7.3M | $352K | 0.94% | 3.40% | 1.31% | 3,069 |
| Q2 2025 | $49.6M | $42.3M | $23.5M | $7.1M | $134K | 0.54% | 3.36% | 1.39% | 3,106 |
| Q1 2025 | $49.0M | $41.9M | $24.1M | $7.1M | $59K | 0.48% | 3.27% | 1.12% | 3,131 |
| Q4 2024 | $48.7M | $41.7M | $24.7M | $7.0M | $200K | 0.41% | 3.40% | 2.39% | 3,148 |
| Q3 2024 | $49.2M | $42.2M | $25.4M | $7.0M | $154K | 0.42% | 3.39% | 0.87% | 3,172 |
| Q2 2024 | $50.3M | $43.3M | $26.2M | $6.9M | $75K | 0.30% | 3.26% | 0.75% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.43% | 0.60% | 41th | |
Return on equity Annualized net income ÷ equity or net worth | 3.0% | 4.1% | 42th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.19% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 3,215 |
Loan mix (Q1 2026): real estate $11.4M · commercial $0 · consumer $8.4M · securities $19.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 87.6% | 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% |
The full ratio pack is part of CharterBench Pro.