| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -8.6% | +1.3% | -9.9 pts |
| Share growth (YoY) | -12.0% | +0.7% | -12.6 pts |
| Loan growth (YoY) | -10.8% | -2.4% | -8.4 pts |
| ROA | 1.24% | 0.60% | +0.6 pts |
| ROE | 4.7% | 4.1% | +0.5 pts |
ROA ranks in the 78th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $45.5M | $33.2M | $28.4M | $12.2M | $141K | 1.24% | 4.54% | 1.24% | 4,860 |
| Q4 2025 | $45.0M | $32.9M | $29.3M | $12.0M | $261K | 0.58% | 4.39% | 0.86% | 4,871 |
| Q3 2025 | $51.4M | $39.4M | $29.4M | $12.0M | $134K | 0.35% | 3.75% | 0.46% | 4,840 |
| Q2 2025 | $49.8M | $37.7M | $31.0M | $12.0M | $175K | 0.70% | 3.85% | 0.74% | 4,805 |
| Q1 2025 | $49.7M | $37.8M | $31.9M | $11.9M | $87K | 0.70% | 3.70% | 0.39% | 4,793 |
| Q4 2024 | $49.2M | $37.4M | $31.4M | $11.9M | $158K | 0.32% | 3.92% | 0.42% | 4,769 |
| Q3 2024 | $45.5M | $33.5M | $32.1M | $12.0M | $215K | 0.63% | 4.32% | 0.44% | 4,769 |
| Q2 2024 | $46.2M | $34.3M | $33.4M | $12.0M | $208K | 0.90% | 4.23% | 0.66% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.24% | 0.60% | 78th | |
Return on equity Annualized net income ÷ equity or net worth | 4.7% | 4.1% | 54th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.54% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 4,768 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $27.9M · securities $6.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.9% | 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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