| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.9% | +1.3% | +2.5 pts |
| Share growth (YoY) | +3.9% | +0.7% | +3.2 pts |
| Loan growth (YoY) | -0.2% | -2.4% | +2.2 pts |
| ROA | 0.51% | 0.60% | -0.1 pts |
| ROE | 3.0% | 4.1% | -1.1 pts |
ROA ranks in the 45th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $75.0M | $62.2M | $40.3M | $12.7M | $96K | 0.51% | 2.77% | 1.03% | 2,843 |
| Q4 2025 | $73.6M | $60.9M | $40.4M | $12.6M | $542K | 0.74% | 2.82% | 1.16% | 2,836 |
| Q3 2025 | $72.9M | $60.2M | $39.6M | $12.5M | $430K | 0.79% | 2.83% | 1.17% | 2,872 |
| Q2 2025 | $73.3M | $60.8M | $39.5M | $12.3M | $287K | 0.78% | 2.81% | 1.74% | 2,886 |
| Q1 2025 | $72.2M | $59.9M | $40.4M | $12.2M | $138K | 0.77% | 2.82% | 0.30% | 2,874 |
| Q4 2024 | $71.2M | $59.1M | $40.3M | $12.1M | $509K | 0.71% | 2.66% | 0.71% | 2,853 |
| Q3 2024 | $69.8M | $57.7M | $40.5M | $11.9M | $362K | 0.69% | 2.68% | 0.65% | 2,874 |
| Q2 2024 | $67.5M | $55.6M | $39.9M | $11.8M | $265K | 0.79% | 2.71% | 0.97% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.51% | 0.60% | 45th | |
Return on equity Annualized net income ÷ equity or net worth | 3.0% | 4.1% | 42th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.77% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,870 |
Loan mix (Q1 2026): real estate $23.0M · commercial $538K · consumer $15.7M · securities $26.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.1% | 81.5% | 37th |
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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